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Effets Des Comportements À Risque Des Conducteurs Sur La Sinistralité

Effets Des Comportements À Risque Des Conducteurs Sur La Sinistralité

          
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About the Book

Nous nous intéressons à la gestion des risques en assurance non-vie. Ce travail porte un intérêt particulier aux effets des comportements à risque sur la sinistralité. La prise en compte de ces comportements dans la modélisation de la sinistralité pourrait avoir des effets significatifs. A l'aide d'une enquête réalisée sur un échantillon des conducteurs, nous disposons de données individuelles sur les comportements des conducteurs et de données observables par l'assureur. Afin de cerner les effets de ces comportements sur le risque routier, nous avons utilisé des modèles économétriques simples et des modèles à équations simultanées. Ce travail montre que l'effet des comportements à risque ne doit pas être négligé dans la modélisation de la sinistralité. La modélisation multivariée de la sinistralité montre que les caratéristiques qui expliquent la sinistralité et les comportements à risque des conducteurs sont corrélées. Dans ce cas, l'estimation autonome de l'équation de la sinistralité peut comporter un biais d'endogénéité. Les caractéristiques individuelles qui expliquent ces comportements expliquent aussi positivement la probabilité de la sinistralité.


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Product Details
  • ISBN-13: 9786131549762
  • Publisher: Omniscriptum
  • Publisher Imprint: Omniscriptum
  • Height: 229 mm
  • No of Pages: 208
  • Series Title: Omn.Univ.Europ.
  • Weight: 313 gr
  • ISBN-10: 6131549761
  • Publisher Date: 28 Feb 2018
  • Binding: Paperback
  • Language: French
  • Returnable: N
  • Spine Width: 12 mm
  • Width: 152 mm


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Effets Des Comportements À Risque Des Conducteurs Sur La Sinistralité
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