نوع مقاله : مقاله پژوهشی
نویسندگان
1 گروه اقتصاد، واحد میانه، دانشگاه آزاد اسلامی، میانه، ایران
2 گروه اقتصاد، دانشگاه پیام نور، تهران، ایران.
3 گروه مدیریت، واحد میانه، دانشگاه آزاد اسلامی، میانه، ایران.
چکیده
کلیدواژه‌ها
موضوعات
عنوان مقاله [English]
نویسندگان [English]
Moral hazard or opportunistic behavior of policyholders is one of the fundamental challenges of the insurance industry. Moral hazard increases costs, reduces efficiency, and disrupts market equilibrium. The present study aims to identify and analyze the impact of specific characteristics of insurance fields (such as contract design and risk assessment complexity) on moral hazard in the Iranian insurance industry during the years 1997 to 2022. The research is of an applied and descriptive-analytical type. Decision tree and artificial neural network models were used to estimate moral hazard, and the receiver operating characteristic curve was used to validate the results. In this study, it is assumed that specific characteristics of insurance fields can exacerbate behaviors leading to moral hazard. The findings showed that the fire and life insurance lines are most likely to cause moral hazard due to their specific characteristics, such as the complexity of risk assessment and financial incentives. Validation of the results indicates the accuracy of the estimates and the high accuracy of the models used. Therefore, it is more necessary and recommended to improve professional ethics and risk management in these lines. Designing smart contracts, using digital claims assessment systems, and reviewing the tariff structure in a discipline-oriented manner should be on the agenda of insurance institutions and policymakers in these lines.
کلیدواژه‌ها [English]
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