这不公平! 导航保险中的公平的二元性
Konstantinos Chalkias1, Paula Jarzabkowski2, Mustafa Kavas3
1Birkbeck Business School, Birkbeck, University of London, London, UK.
The British journal of sociology
|March 15, 2025
概括
保险平衡了社会利益与利,面临着公平的挑战. 本研究提出了一个平衡团结和精算公正的框架,以实现公平和可持续的保险体系.
科学领域:
- 社会科学 社会科学 社会科学
- 经济学 经济学 经济学
- 风险管理 风险管理
背景情况:
- 保险作为一种社会利益和以利为导向的市场运作,造成了公平性困境.
- 按个人风险定价保费的保险学公平性,可能会导致高风险地区由于增加灾害损失而导致负担不起的成本.
- 团结的公平,补贴保险费,可能会减少个人风险控制的努力.
研究的目的:
- 重新构想保险中的公平性,将其作为团结和精算公平性的二元性.
- 制定一个过程框架来设计公平和可持续的保险系统.
- 探索保险中社会和商业利益的复杂交集.
主要方法:
- 长度定性研究.长度定性研究.
- 一个政府立法保险组织的分析.
- 开发一个过程框架.
主要成果:
- 一个新的流程框架,重新构想保险公平性.
- 关于如何平衡团结与精算公正的见解.
- 了解保险中社会公平和财务可持续性之间的权衡.
结论:
- 保险公平性可以被视为一种二元性,而不是一种权衡.
- 拟议的框架有助于设计社会公平和经济可持续的保险.
- 应对气候变化带来的风险需要创新的保险模式.
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