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moral-hazard

  1. Nicole Seaman

    P1.T3.21.5. Moral hazard and insurance company premiums

    Learning outcomes: Describe moral hazard and adverse selection risks facing insurance companies, provide examples of each, and describe how to overcome these problems. Evaluate the capital requirements for life insurance and property-casualty insurance companies. Compare the guaranty system and...
  2. Nicole Seaman

    P1.T3.21.1. Risks faced by banks

    Learning outcomes: Identify the major risks faced by banks and explain ways in which these risks can arise. Distinguish between economic capital and regulatory capital. Summarize the Basel Committee regulations for regulatory capital and their motivations. Explain how deposit insurance gives...
  3. Nicole Seaman

    P1.T3.703. Insurance company ratios (Hull)

    Learning objectives: Calculate and interpret loss ratio, expense ratio, combined ratio, and operating ratio for a property-casualty insurance company. Describe moral hazard and adverse selection risks facing insurance companies, provide examples of each, and describe how to overcome the...
  4. Nicole Seaman

    P1.T3.701. Basic bank functions and definitions (Hull)

    Learning objectives: Explain how deposit insurance gives rise to a moral hazard problem. Describe investment banking financing arrangements including private placement, public offering, best efforts, firm commitment, and Dutch auction approaches. Describe the potential conflicts of interest...
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