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排序方式: 共有513条查询结果,搜索用时 15 毫秒
1.
This paper experimentally examines the impact of contract design on insurance fraud. We test how fraud behavior varies for insurance contracts with full coverage, a straight deductible or claim-dependent premiums (bonus-malus contracts), in a setup where rational and selfish individuals have an incentive to always claim the maximum possible indemnity. We find a substantial impact of contractual arrangements: Deductible contracts lead to a greater extent to claim build-up than full coverage contracts. In contrast, bonus-malus contracts that entail the same net gains from fraud as deductible contracts do not increase claim build-up. Thus, our results indicate that bonus-malus contracts may be superior to deductible contracts for behavioral reasons. 相似文献
2.
Oliveira Flávio G. Tapisso Joaquim T. von Merten Sophie Rychlik Leszek Fonseca Paulo J. Mathias Maria da Luz 《Urban Ecosystems》2021,24(5):851-862
Urban Ecosystems - The development of urban areas imposes challenges that wildlife must adapt to in order to persist in these new habitats. One of the greatest changes brought by urbanization has... 相似文献
3.
Sarah Brown Karl Taylor 《Journal of the Royal Statistical Society. Series A, (Statistics in Society)》2008,171(3):615-643
Summary. We explore the determinants of debt, financial assets and net worth at the household level by using survey data for Germany, Great Britain and the USA. To identify which households are potentially vulnerable to adverse changes in the economic environment, we also explore the determinants of a range of measures of financial pressure: the probability that a household has negative net worth; the debt-to-income ratio; mortgage income gearing; the saving-to-income ratio. Our empirical findings suggest that the poorest and the youngest households are the most vulnerable to adverse changes in their financial circumstances. 相似文献
4.
5.
Laura Bernardi Andreas Klärner Holger von der Lippe 《Revue europeenne de demographie》2008,24(3):287-313
This article contributes to the ongoing debate on the economic determinants of fertility behavior by addressing the role of
job insecurity in couples’ intentions concerning parenthood and its timing. It starts from the hypothesis that cultural values
moderate individuals’ reactions to job insecurity and the way it is related to family formation. With a systematic thematic
content analysis of a set of semi-structured interviews with childless men and women around the age of 30 in eastern and western
Germany, we are able to show that there are substantial differences in the consequences of job insecurity on intentions to
have a first child. In western Germany, a relatively secure job career is expected to precede family formation, and this sequence
of transitions is rather rigid, whereas in eastern Germany job security and family formation are thought of and practiced
as parallel investments. We suggest that the lack of convergence in family formation patterns between eastern and western
Germany after the unification of the country in 1990 is partially related to different attitudes toward job insecurity in
the two contexts. 相似文献
6.
Approximation of a density by another density is considered in the case of different dimensionalities of the distributions. The results have been derived by inverting expansions of characteristic functions with the help of matrix techniques. The approximations obtained are all functions of cumulant differences and derivatives of the approximating density. The multivariate Edgeworth expansion follows from the results as a special case. Furthermore, the density functions of the trace and eigenvalues of the sample covariance matrix are approximated by the multivariate normal density and a numerical example is given 相似文献
7.
Indices and orderings are developed for evaluating alternative strategies in the management of risk. They reflect the goals of reducing individual and collective risks, of increasing equity, and of assigning priority to the reduction and to the equity of high risks. Individual risk is defined as the (random or non-random) level of exposure to a danger. In particular the role of a lower negligibility level is investigated. A class of indices is proposed which involves two parameters, a negligibility level and a parameter of inequality aversion, and several interpretations of the indices are discussed. We provide a set of eight axioms which are necessary and sufficient for this class of indices, and we present an approach to deal with partial information on the parameters. 相似文献
8.
In an era where forecasts drive entire supply chains forecasting is seen as an increasingly critical organizational capability. However, business forecasting continues to rely on judgmental methods despite large advancements in information technology and quantitative method capability, prompting calls for research to help understand the reasons behind this practice. Our study is designed to contribute to this knowledge by profiling differences between firms identified as primary users of either judgmental or quantitative forecasting methods. Relying on survey data from 240 firms we statistically analyzed differences between these categories of users based on a range of organizational and forecasting issues. Our study finds large differences in forecast error rates between the two groups, with users of quantitative methods significantly outperforming users of judgmental methods. The former are found to be equally prevalent regardless of industry, firm size, and product positioning strategy, documenting the benefits of quantitative method use in a variety of settings. By contrast, the latter are found to have significantly lower access to quantifiable data and to use information and technology to a lesser degree. 相似文献
9.
Burge E Kuhne N Berchtold A Maupetit C von Gunten A 《European review of aging and physical activity》2012,9(1):27-39
The objectives of this study were to describe the different modalities of physical activity programs designed for moderate
to severe dementia and to identify their impact on functional independence in activities of daily living (ADL). A critical
review of randomized controlled trials related to the impact of physical activity programs in moderately to severely demented
persons on ADL performance and meta-analysis of the identified studies were performed. Among the 303 identified articles,
five responded to the selection criteria. Four out of the five studies demonstrated limited methodological quality. In one
high-quality study, physical activity programs significantly delayed deterioration of ADL performance. The program components
and ADL assessment tools vary widely across studies. Although the proposed treatments have not proven their efficiency in
improving the ADL status of the patients, they were able to limit the decline in ADL functioning. Future research is warranted
in order to identify clinically relevant modalities for physical activity programs for people with moderate to severe dementia. 相似文献
10.