lnstitutional drivers of life insurance consumption : a dynamic panel approach for European countries

<?xml version="1.0" encoding="UTF-8"?><modsCollection xmlns="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-8.xsd">
<mods version="3.8">
<titleInfo>
<title>lnstitutional drivers of life insurance consumption</title>
<subTitle>: a dynamic panel approach for European countries</subTitle>
</titleInfo>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20190002783">
<namePart>Mare, Codruta</namePart>
<nameIdentifier>MAPA20190002783</nameIdentifier>
</name>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20190002790">
<namePart>Dragos, Cristian Mihai</namePart>
<nameIdentifier>MAPA20190002790</nameIdentifier>
</name>
<typeOfResource>text</typeOfResource>
<genre authority="marcgt">periodical</genre>
<originInfo>
<place>
<placeTerm type="code" authority="marccountry">esp</placeTerm>
</place>
<dateIssued encoding="marc">2019</dateIssued>
<issuance>serial</issuance>
</originInfo>
<language>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</language>
<physicalDescription>
<form authority="marcform">print</form>
</physicalDescription>
<abstract displayLabel="Summary">The motivation behind this study resides in the heterogeneous development of life insurance across 31 European (developed and former communist) nations over the period 2002-2012. We use the dynarnic panel methodology for explaining the main institutional drivers of life insurance consumption. The results show that the most significant institutional factor is govenance effectiveness. Among the econornic and demographic factors the interest rate and fiscal freedom exert a negative effect on life insurance consumption. Our results can be the basis for improving govenance policies in former communist countries and for creating an institutional system of right incentives on the market</abstract>
<note type="statement of responsibility">Simona Laura Dragos, Codruta Mare, Cristian Mihai Dragos</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080570590">
<topic>Seguro de vida</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586850">
<topic>Política económica</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080600709">
<topic>Datos macroeconómicos</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080601508">
<topic>Estudios estadísticos</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080611880">
<topic>Perspectivas del seguro</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080640255">
<geographic>Unión Europea</geographic>
</subject>
<classification authority="">341</classification>
<relatedItem type="host">
<titleInfo>
<title>Geneva papers on risk and insurance : issues and practice</title>
</titleInfo>
<originInfo>
<publisher>Geneva : The Geneva Association, 1976-</publisher>
</originInfo>
<identifier type="issn">1018-5895</identifier>
<identifier type="local">MAP20077100215</identifier>
<part>
<text>01/01/2019 Volumen 44 Número 1 - enero 2019 , p. 36-66</text>
</part>
</relatedItem>
<recordInfo>
<recordContentSource authority="marcorg">MAP</recordContentSource>
<recordCreationDate encoding="marc">190307</recordCreationDate>
<recordChangeDate encoding="iso8601">20190307174426.0</recordChangeDate>
<recordIdentifier source="MAP">MAP20190007092</recordIdentifier>
<languageOfCataloging>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</languageOfCataloging>
</recordInfo>
</mods>
</modsCollection>