با سلام خدمت کاربران در صورتی که با خطای سیستم پرداخت بانکی مواجه شدید از طریق کارت به کارت (6037997535328901 بانک ملی ناصر خنجری ) مقاله خود را دریافت کنید (تا مشکل رفع گردد).
دسته بندی:
حقوق جرم و جزا - Criminal Law
سال انتشار:
2020
عنوان انگلیسی مقاله:
EU intermediary regulation and its impact on insurance agent quality: Evidence from Germany
ترجمه فارسی عنوان مقاله:
مقررات واسط اتحادیه اروپا و تأثیر آن بر کیفیت نماینده بیمه: شواهدی از آلمان
منبع:
Sciencedirect - Elsevier - International Review of Law & Economics, 68 (2021) 106021: doi:10:1016/j:irle:2021:106021
نویسنده:
Christoph Lex
چکیده انگلیسی:
Implementation of the EU Directive on Insurance Mediation (2002/92/EG) created the first professional
licensing requirements for insurance agents in Germany. This study uses data on property-liability insurance policies from a German insurer encompassing the years just before and just after the Directive, to
provide evidence of the impact of licensing on insurance intermediation quality. Because many agents
left the market once licensing was required, we compare the pre-Directive quality of agents who exit the
market with those who remain, and the pre- versus post-Directive quality of agents who remain in the
market. Estimation results show no significant effects of licensing on agent quality, either through exit
of low-quality agents or through changes in post-Directive quality. Results are most consistent with an
increase in consumer search activity after the enactment of licensing.
Keywords: Business regulation | Financial intermediaries | Insurance agents | Occupational licensing | EU directives
قیمت: رایگان
توضیحات اضافی:
تعداد نظرات : 0