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@inproceedings{10887,
author = {Markvart, Daniel and Tichý, Jaromír},
address = {Hradec Králové},
booktitle = {MMK 2023 - Mezinárodní Masarykova konference pro doktorandy a mladé vědecké pracovníky : recenzovaný sborník příspěvků mezinárodní vědecké konference. Ročník XIV. 18. – 20. prosince 2023. Hradec Králové, Česká republika},
editor = {MAGNANIMITAS},
keywords = {asymmetry of information, insurance market, insurance company, reinsurance company, broker, moral hazard, risk management},
language = {eng},
location = {Hradec Králové},
isbn = {978-80-87952-39-9},
pages = {348-358},
publisher = {MAGNANIMITAS},
title = {The influence of information asymetry on the decision-making of actors in the environment of the insurance market},
url = {https://www.vedeckekonference.cz/library/proceedings/mmk_2023.pdf},
year = {2023}
}
TY - JOUR
ID - 10887
AU - Markvart, Daniel - Tichý, Jaromír
PY - 2023
TI - The influence of information asymetry on the decision-making of actors in the environment of the insurance market
PB - MAGNANIMITAS
CY - Hradec Králové
SN - 9788087952399
KW - asymmetry of information, insurance market, insurance company, reinsurance company, broker, moral hazard, risk management
UR - https://www.vedeckekonference.cz/library/proceedings/mmk_2023.pdf
N2 - In the 21st century, we encounter the term "emerging risks" in new contexts. Information asymmetry has a major influence on decision-making, and market actors increasingly rely on the state as an "insurer of last resort". Market regulation can be reasonable, but should not hinder competition and innovation. Interventions in market processes often lead to moral hazard and underestimation of risks. Risk perception also includes a psychological aspect, as shown by risk aversion theories. Currently, there is an underestimation of one's own responsibility towards the risk assessment and management process and the threat of moral hazard under the influence of regulators affecting the stability and transparency of the insurance sector. The goal of the contribution is to determine the level of influence of information asymmetry on the decision-making of actors in the process of risk assessment and management in the company's activities, with the possibility of eliminating the risk in the future. The questionnaire survey verifies whether the interviewees from the business environment are looking for certainty.
ER -
MARKVART, Daniel a Jaromír TICHÝ. The influence of information asymetry on the decision-making of actors in the environment of the insurance market. In MAGNANIMITAS. \textit{MMK 2023 - Mezinárodní Masarykova konference pro doktorandy a mladé vědecké pracovníky : recenzovaný sborník příspěvků mezinárodní vědecké konference. Ročník XIV. 18. – 20. prosince 2023. Hradec Králové, Česká republika}. Hradec Králové: MAGNANIMITAS, 2023, s.~348-358. ISBN~978-80-87952-39-9.
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