31 research outputs found
Significant improvements in pain after a six-week physiotherapist-led exercise and education intervention, in patients with osteoarthritis awaiting arthroplasty, in South Africa: a randomised controlled trial
Realisierung der spulenlosen Schaltung von Chua mit FTFN-basierten Nachbildungen eines nichtlinearen Widerstandes und einer Spule
Effect of Amount of Water in Dispersed Phase on Drug Release Characteristics of Dextran Microspheres Prepared by Emulsion-Solvent Evaporation Process
Prevalence of Mental Disorders and Suicidal Thoughts Among Community-Dwelling Elderly Adults 3 Years After the Niigata-Chuetsu Earthquake
Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers
[[abstract]]We investigate the problem of asymmetric information among the different distribution channels of bancassurance, namely, over-the-counter (OTC) selling and telephone marketing (TM). We predict that the bank could bring an information advantage to insurance companies through telephone marketing by providing a customer list based on the customers’ records in the bank. Bancassurance can play a role of integrating the information that is transferred from the bank to the insurance company. Our empirical evidence shows that, in contrast to the over-the-counter customers, there is less evidence of adverse selection, and there is also less evidence of moral hazard or fraud among the telephone marketing customers that have been sorted by the bank. This phenomenon could be attributed to the valuable private information provided by the credit records of customers kept by the bank.[[notice]]補æ£å®Œç•¢[[journaltype]]國外[[incitationindex]]SSCI[[ispeerreviewed]]