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    Tytuł:
    Moral hazard and its implications on health insurance sector – overview of impact of COVID-19 pandemic
    Autorzy:
    Sikora-Alicka, Joanna
    Powiązania:
    https://bibliotekanauki.pl/articles/2123399.pdf
    Data publikacji:
    2022
    Wydawca:
    Uniwersytet w Białymstoku. Wydawnictwo Uniwersytetu w Białymstoku
    Tematy:
    moral hazard
    health insurance
    COVID-19
    Opis:
    Kenneth J. Arrow’s disruptive work, 'Medical Uncertainty and Welfare Economics’, published in 1963, was one of the first studies investigating the effects of moral hazard on the healthcare sector. Since then, countless works exploring that subject have been published. The history of research on moral hazard in medical insurance shows that this concept is defined differently in other areas of the economy than healthcare. Purpose – The proposed work is an attempt to understand and conceptualize the moral hazard in health insurance. As uncommon circumstances marked 2020, we now consider health insurance through the impact of the SARS-CoV-2 pandemic. This work discusses the results of an investigation of the impact of moral hazard and its implications on the health insurance sector during COVID-19. Research method – The author designed and conducted a study that presented several metrics involving the distribution of medical expenditures, the effect of price on medical care consumption, the PLS (profit and loss sharing) concept, and their mediating and moderating effect on moral hazard in the insurance sector. Results – There is a statistically significant and very strong relationship with a positive sign (β = 0.79; p <0.001) between the price effect and the moral hazard. The analyses show also that the price effect coexists statistically with the PLS, and the relationship between these variables is moderately strong and positive (β = 0.79; p <0.001). Originality – Insignificant relationship between the PLS and the moral hazard can be seen while the price is entered into the model (β = 0.03; p = 0.450). The lack of mediation could confirm that the price effect plays a major role in a moral hazard.
    Źródło:
    Optimum. Economic Studies; 2022, 1(107); 113-126
    1506-7637
    Pojawia się w:
    Optimum. Economic Studies
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Tradeoff between Equity and Effciency in Revenue Sharing Contracts
    Autorzy:
    Kamiński, Bogumił
    Łatek, Maciej
    Powiązania:
    https://bibliotekanauki.pl/articles/483345.pdf
    Data publikacji:
    2010
    Wydawca:
    Polska Akademia Nauk. Czytelnia Czasopism PAN
    Tematy:
    Moral Hazard
    Team Production
    Cost Inflation
    Project Management
    Opis:
    We investigate the problem of setting revenue sharing rules in a team production environment with a principal and two agents. We assume that the project output is binary and that the principal can observe the level of agents' actual effort, but does not know the production function. Identifying conditions that ensure the eficiency of the revenue sharing rule, we show that the rule of equal percentage markups can lead to inflation of project costs. This result provides an explanation for project cost overruns other than untruthful cost reporting.
    Źródło:
    Central European Journal of Economic Modelling and Econometrics; 2010, 2, 1; 1-16
    2080-0886
    2080-119X
    Pojawia się w:
    Central European Journal of Economic Modelling and Econometrics
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Overcoming the consequences of financial crisis on the example of Island and Ireland
    Autorzy:
    Kalinowska, Katarzyna
    Powiązania:
    https://bibliotekanauki.pl/articles/1945064.pdf
    Data publikacji:
    2021-08-31
    Wydawca:
    Instytut Naukowo-Wydawniczy "SPATIUM"
    Tematy:
    Ireland
    housing bubble
    public debt
    budget deficit
    moral hazard
    Opis:
    Will Ireland share the fate of Iceland? Is this open, small economy with a debt-to-GDP ratio of above 130% on the verge of bankruptcy? Economists argue that if public debt is greater than national income, then smaller economies, heavily involved in the international division of labor are at risk of becoming insolvent. The bankruptcy of Ireland, whose prosperity is based on its reputation for being a good place to do business, could be a catastrophy. Contrary to the countries of southern Europe, the economy of the Green Island has never had problems with paying its liabilities and with solvency. While Greece has gone bankrupt five times since gaining independence in 1826 and Spain as many as thirteen in the past two centuries, Ireland's history in this area is impeccable (Reinhard, Rogoff, 2009, p. 3-6). Since the beginning of the 21st century Ireland's economic development has been based mainly on construction industry and not exports, as it used to be in the 1990s when the country was nicknamed the Celtic Tiger. The boom resulted in a budget surplus and a positive balance in current settlements. But it also resulted in higher prices - the Irish no longer had to accept slow wage growth to stay internationally competitive - which, combined with the low nominal interest rate of the European Central Bank, provided fertile ground for the build-up of the real estate bubble. The aim of the article is to identify the factors that led Ireland to the brink of bankruptcy and to try to answer the question whether the action of recapitalization of failing banks by the government and international financial institutions will bring the expected results in the form of healing the financial system and returning Green Island to the path of economic growth.
    Źródło:
    Central European Review of Economics & Finance; 2021, 33, 2; 55-66
    2082-8500
    2083-4314
    Pojawia się w:
    Central European Review of Economics & Finance
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Modern Trends In GDP-Linked Securities Design
    Autorzy:
    Amalian, Arutyun W.
    Amalyan, Nataly D.
    Powiązania:
    https://bibliotekanauki.pl/articles/1403605.pdf
    Data publikacji:
    2020
    Wydawca:
    Wyższa Szkoła Ekonomiczno-Humanistyczna w Bielsku-Białej
    Tematy:
    GDP-linked bonds
    warrants
    moral hazard
    debt restructuring
    cap
    hair-cut
    Opis:
    Numerous research papers substantiate the idea that GDP-linked bonds could provide a potential means for indebted countries to avoid default (the cost of which to be measured by an endowment loss and temporary exclusion from capital markets) by linking current reduction of the total outstanding debt with liabilities to share future gains of growth of national economy. Actualization of this idea has already taken place in a dozen of countries. This article presents comparative analysis of background, terms and condition of the last three cases of GDP-indexed bonds emission – by Argentina, Greece and Ukraine. Commensuration of the share of haircut, threshold for payments and availability of the cap provides for detection of trends in the design of these debt instruments.
    Źródło:
    MIND Journal; 2020, 9; 1-14
    2451-4454
    Pojawia się w:
    MIND Journal
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Narrow Banking from the Perspective of Risk
    Narrow banking. Perspektywa ryzyka
    Autorzy:
    Pera, Jacek
    Powiązania:
    https://bibliotekanauki.pl/articles/657096.pdf
    Data publikacji:
    2019
    Wydawca:
    Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
    Tematy:
    ryzyko
    bezpieczeństwo transakcji
    pokusa nadużycia
    publiczne ubezpieczanie depozytów
    „wąska bankowość”
    narrow banking
    risk
    transaction security
    moral hazard
    deposit insurance
    Opis:
    Celem artykułu jest identyfikacja ryzyka wynikającego z próby stabilizacji systemu bankowego z zastosowaniem narrow banking, co w praktyce przekłada się na nałożenie restrykcji na różne rodzaje aktywów utrzymywanych przez banki i obsługujących depozyty bieżące. W tym celu zostały omówione następujące kwestie: istota i koncepcje „wąskiej bankowości” oraz wynikające z niej ryzyko. Postawiona hipoteza badawcza jest następująca: narrow banking to skuteczna koncepcja wykorzystywana do zabezpieczenia stabilności systemu finansowego. Zasadnicze ryzyko implementacji koncepcji „wąskiej bankowości” wypływa z: kosztów ubezpieczenia depozytów, częściowej utraty efektywności banków, niedopasowania struktur aktywów i pasywów banku (powstania luki GAP) oraz wielkości i struktury kredytów dla sektora niefinansowego. W wyniku przeprowadzonej analizy zidentyfikowano po sześć ryzyk pośrednich dla przyjętego poziomu ryzyka: niskiego, średniego i wysokiego.
    The aim of this article is to identify risks arising from the attempt to stabilise the banking system with the use of narrow banking, which in practice means imposing restrictions on various types of assets held by banks and on handling current deposits. To this end, the following will be discussed: the nature and concepts of narrow banking and the risks of narrow banking. The research hypothesis is as follows: narrow banking is an effective concept to use to secure the stability of the financial system. The principal risk connected with the implementation of the concept of narrow banking results from: the cost of deposit insurance, partial loss of banks’ efficiency, mismatching of structures of assets and liabilities of the bank (resulting in GAP), as well as the size and structure of loans for the non‑financial sector. As a result of the conducted analysis, 6 indirect risks were identified, each for the assumed risk level: low, medium and high.
    Źródło:
    Acta Universitatis Lodziensis. Folia Oeconomica; 2019, 4, 343; 53-72
    0208-6018
    2353-7663
    Pojawia się w:
    Acta Universitatis Lodziensis. Folia Oeconomica
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Reflections about Too Big to Fail Banks and Moral Hazard
    Autorzy:
    Pawłowicz, Leszek
    Powiązania:
    https://bibliotekanauki.pl/articles/485408.pdf
    Data publikacji:
    2015
    Wydawca:
    Bankowy Fundusz Gwarancyjny
    Tematy:
    Financial crisis
    Moral hazard
    Stabilisation policy
    Standards of banking supervision
    Conference materials
    Kryzys finansowy
    Pokusa nadużycia
    Polityka stabilizacyjna
    Standardy nadzoru bankowego
    Materiały konferencyjne
    Opis:
    Several reflections and suggestions concerning the planned regulations aimed at limiting moral hazard done by TBTF banks were presented in this article. The scope of reflection is mainly the effectiveness of implementation of a resolution regime. To allow effective implementation of the resolution process probably the TLAC (Total Loss Absorbing Capacity) mechanism will be used. The mechanism will, according to the author, probably start the division of TBTF banks due to additional capital restrictions. If the division mechanism of two banks from the G-SIB group were to start it would be enough to be moderately optimistic when it comes to limiting moral hazard in banking.
    Źródło:
    Bezpieczny Bank; 2015, 3 (60); 78-88
    1429-2939
    Pojawia się w:
    Bezpieczny Bank
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Moral Panic, Risk or Hazard Society-the Relevance of a Theoretical Model and Framings of Maidan Dogs in Chișin˘au and Bucharest
    Autorzy:
    Mica, Adriana
    Powiązania:
    https://bibliotekanauki.pl/articles/1929598.pdf
    Data publikacji:
    2010-03-22
    Wydawca:
    Polskie Towarzystwo Socjologiczne
    Tematy:
    dog population management
    moral panic
    risk society
    hazard society
    Bucharest
    Chișin˘au
    Opis:
    The study analyses the dynamics of public debate surrounding the issue of maidan [stray] dog population control strategies in Moldavia and Romania. The comparison takes as its point of reference two episodes of moral panic and discusses the applicability of the theoretical models of moral panic, risk and hazard society. Following the work of Bruno Latour, Mary Douglas, Phil Macnaghten and John Urry, the study distinguishes between the conceptualization of strays dogs (as hybrids) in terms of nature, and their conceptualization in terms of culture. It argues that the stabilization in terms of nature is more suitable to be addressed by the theoretical models of risk and hazard society, whilst the stabilization in terms of culture pertains to the theoretical model of moral panic instead.
    Źródło:
    Polish Sociological Review; 2010, 169, 1; 41-56
    1231-1413
    2657-4276
    Pojawia się w:
    Polish Sociological Review
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
      Wyświetlanie 1-7 z 7

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