2015 Fiscal Year Final Research Report
Study on Roles of the Insurance Industry for a Sustainable Society
| Project/Area Number |
25380584
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Multi-year Fund |
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| Section | 一般 |
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| Research Field |
Commerce
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| Research Institution | Kyoto Sangyo University |
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Principal Investigator |
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| Project Period (FY) |
2013-04-01 – 2016-03-31
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| Keywords | 保険事業 / 持続的社会 / 保険経済学 / 生活保障システム / 保険規制 / 国際協調 |
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| Outline of Final Research Achievements |
This study attempts to develop a framework for the insurance industry to contribute to a sustainable society facing population aging and natural disaster risks based on the insurance economics. The results of the study reveal that the natural disaster and accident compensation insurance schemes can maintain its solvency and availability and increase incentive to safety by regulatory intervention including cross-subsidized rates and limit of benefits. The study also finds that the healthcare insurance and pension plan can minimize adverse effects of information asymmetry and socio-economic transformation through public-private insurance collaboration. International harmonization is required in the prudential regulation to facilitate risk-transfer and financial intermediation functions of insurance but in the market conduct regulation should maintain a certain degree of variety reflecting the individual market characteristics.
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| Free Research Field |
経営学・商学
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