2024/05/20 更新

写真a

ショウ ケツ
邵 傑
所属
商学学術院 商学部
職名
助教
ホームページ

経歴

  • 2023年09月
    -
    継続中

    早稲田大学   助教

  • 2021年04月
    -
    2023年09月

    早稲田大学   商学部   助手

学歴

  • 2018年10月
    -
    2023年07月

    早稲田大学   大学院商学研究科   金融保険専攻  

  • 2015年09月
    -
    2018年06月

    西南財経大学   保険学院   保険学  

    国際保険会計専攻

  • 2011年09月
    -
    2015年06月

    西南財経大学   保険学院   保険学  

    リスクマネジメント専攻

所属学協会

  • 2023年07月
    -
    継続中

    Asia-Pacific Risk and Insurance Association (APRIA)

  • 2021年09月
    -
    継続中

    日本保険学会

  • 2019年08月
    -
    継続中

    International Association for Financial Consumers (IAFICO)

研究分野

  • 商学   保険学

研究キーワード

  • 保険全般

  • 保険経済学

  • 巨大リスク・マネジメント

  • 行動経済学

 

論文

  • イギリスにおける洪水保険システムの進化― 官民パートナーシップの観点から ―

    邵傑, 中出哲

    損害保険研究   85 ( 2 ) 1 - 53  2023年08月

    担当区分:筆頭著者

  • How do floods affect insurance demand? Evidence from flood insurance take-up in Japan

    Jie Shao, Akio Hoshino, Satoshi Nakaide

    International Journal of Disaster Risk Reduction   83   103424 - 103424  2022年12月  [査読有り]

     概要を見る

    This study examines the hypothetical impact of floods on people's flood insurance purchase decisions, and how this impact may differ among people with different socioeconomic, geographic, and financial literacy characteristics. We find a significant yet short-lived (1-year) impact of floods on people's demand for flood insurance at an ecological level (prefectures). Different aspects of flood damage have different impacts on flood insurance take-up, with human casualties having the greatest impact on people's perception of flood risk. We also find that groups with different socioeconomic characteristics, such as age, education, and insurance agent density, react differently to floods concerning insurance purchases. We confirm a positive rela-tionship between objective risk exposure and people's perception of the flood experience. Finally, an analysis of the Financial Literacy Survey demonstrates the impact of three cognitive biases (loss aversion, myopic, herding) on flood insurance take-up. These findings provide empirical evidence for various psychological and behavioral theories, and important policy references for countries aiming to develop flood insurance in the future.

    DOI

    Scopus

    1
    被引用数
    (Scopus)
  • Model assessment of public–private partnership flood insurance systems: an empirical study of Japan

    Jie Shao

    The Geneva Papers on Risk and Insurance - Issues and Practice   47   79 - 102  2022年01月  [査読有り]

    DOI

    Scopus

    3
    被引用数
    (Scopus)
  • A Simple Assessment of Flood Risk from Insurance Perspective: Based on Historical Data in Japan

    早稲田大学大学院商学研究科紀要   ( 91 ) 61 - 78  2021年11月  [査読有り]

  • How does the Quantity of Disclosed Information Provided by Insurers Affect Entity Behaviors in Internet Insurance Market?: A Study Based on Tripartite Evolutionary Game Analysis between Government, Insurance Companies and Consumers

    Shao Jie

    International Review of Financial Consumers   4 ( No. 2 Oct 2019 ) 29 - 42  2019年12月  [査読有り]

     概要を見る

    The emergence of internet insurance provides a new consumption pattern for insurance consumers in the e-commerce era. However, without insurers fulfilling duty of disclosure, consumers’ interests cannot be guaranteed. This paper will analyze the costs and benefits of three parties (i.e. government, insurance companies and consumers) and their strategies regarding information disclosure of insurance products on the internet. Using an evolutionary game model under bounded rationality assumptions, the Nash Equilibrium (NE) and evolutionary stability strategy (ESS) of the system are explored. The results show that (Disclosing, not Regulating, not Complain) is the best ESS and it is consumers’ buying decision not regulation that ultimately compels insurers to disclose enough information. The different current situations in China and Japan are discussed in light of the model, and some measures are suggested to promote the development of internet insurance markets in both countries.

    DOI

  • 人寿保险合同现金价值执行之立法规制——以日本《保险法》受益人介入权制度为例

    邵傑

    上海保险   2   44 - 46  2017年02月

  • 农作物目标价格保险国外实践与国内创新

    邵傑

    中国保险   6   58 - 64  2016年06月

  • 天气指数保险费率厘定方法探究——以水稻干旱指数保险为例

    邵傑

    上海保险   ( 4 ) 36 - 41  2016年04月

▼全件表示

講演・口頭発表等

  • Institutional Analysis of Flood Insurance Market in Japan——Based on Evolutionary Game and Prospect Theory

    Jie Shao

    27th 2023 APRIA 2023 Annual Conference  

    発表年月: 2023年07月

    開催年月:
    2023年07月
    -
    2023年08月
  • GIS-based Probabilistic Depth–damage Curves for Flood Damage Assessment

    Jie Shao

    IAFICO 2023 Global Forum for Financial Consumers  

    発表年月: 2023年07月

    開催年月:
    2023年07月
     
     
  • Risk Perception and Catastrophe Insurance Demand: An Analysis Based on Evolutionary Game and Prospect Theory

    JIE SHAO

    2022 Global Forum for Financial Consumers “Financial Consumer Protection and Sustainable Development”  

    発表年月: 2022年08月

    開催年月:
    2022年08月
     
     
  • 火災保険水災補償への加入決定要因の一考察

    邵傑

    日本保険学会関東部会  

    発表年月: 2021年03月

  • How does Information Disclosure Affect Behavior in Internet Insurance Market

    JIE SHAO

    2019 IAFICO Annual Conference Global Forum for Financial Consumers “Reshaping Investment and Financing through Digital Innovation”  

    発表年月: 2019年08月

    開催年月:
    2019年08月
     
     

共同研究・競争的資金等の研究課題

  • 日本における確率水深被害曲線と洪水保険料設定への応用

    公益財団法人日本法制学会  財政・金融・金融法制研究基金研究助成金

    研究期間:

    2022年03月
    -
    2023年05月
     

    邵傑

  • イギリスの洪水保険制度の研究―巨大災害リスクに対する民間保険と政府の関係―

    公益財団法人損害保険事業総合研究所  損害保険研究費助成

    研究期間:

    2020年10月
    -
    2021年10月
     

    中出哲

 

現在担当している科目

 

特定課題制度(学内資金)

  • Institutional Analysis of Flood Insurance Market in Japan: Based on Evolu-tionary Game and Prospect Theory

    2023年  

     概要を見る

    With global warming on its way, weather-related losses increased dramatically in the past few decades, yet there has been a large protection gap widely observed in the insurance market globally. Why cannot insurance cover weather-related losses? This research will try to tackle this disequilibrium of the flood insurance market in Japan, under the analytical framework of Evolutionary Game Theory, which to my best knowledge, has not been widely used in insurance economics. The game structure allows us to analyze the interaction (i.e., payoffs) among three main agents: property owners, insurers and the government. To make the theoretical analysis more intuitive and closer to the practical reality, Prospect Theory will be introduced into the game model. By comparing different reference points, the influence of consumers’ risk perception/appetite and the contents of insurance policies will be investigated. Then the theoretical results will be further explained through a web-based experiment and a numerical simulation. The results of this research will be discussed under institutional analysis so that some suggestions will be provided for the construction towards a ‘better’ arrangement of flood insurance not only for Japan but also for any country in need. The contents are organized in the following sequence: The first step is a review of the current market state and literature regarding economic analysis of catastrophe insurance market. In this phase, some interviews with practitioners in insurance companies and scholars in this field are necessary for a more accurate and holistic understanding. The second step is static bipartite game analysis in one period. The game model includes two participants, the property owners and insurance companies. The focus is the modelling of the market status, as well as a preliminary analysis of the factors influencing market equilibrium. The necessity of a muti-period dynamic analysis is clarified.The third step is evolutionary game analysis in multiple periods. Prospect Theory is introduced into the game model. Different reference points (no insurance, partially and fully insured; default and optional flood coverage as reference points) are tested under the game structure. The fourth step, introduce government intervention into the model. After analyzing the feasibility of intervention from the public sector. Modelling some representative public financial ways (such as public insurance pool, public-backed reinsurance etc.) of intervention into the evolutionary game model. The fifth step is focused on quantitative empirical proofs of the theoretical analysis. A web-based experiment is conducted mainly for the test of reference points in Prospect Theory. Then, the observed numeric relationship is further used for a simulation with Taylor expansion and Ito-type stochastic differential equation, to test the effect of different public interventions. In the final sixth step, the results are shared in several conferences and revised based on the received feedback. The main expected outputs would be presentations at international conferences and 2~3 papers published in top journals in the insurance sector. 

  • 日本における確率水深被害曲線と洪水保険料設定への応用

    2022年  

     概要を見る

    With increasing greenhouse gas emissionsand urbanization (the heat island effect), floods have been accounting for alarger part of economic losses globally. The importance of insurance privateinsurance sector in participating in flood risk management increasesaccordingly. In this research, we modify the most common and internationallyaccepted method of assessing building damage due to flooding, i.e., depth–damagecurves (DDCs) into probabilistic depth–damage curves (PDDCs). Based on the generatedPDDCs, we model the premiums of flood insurance using the Great Tokyo Area asan applied example. Finally, we also quantify the impact of greenhouse gasemission scenarios on individual and aggregate losses and premiums.The outputs of this project include: Firstly,a high-resolution (50m) flood map contains the spatial distribution of waterstages. Secondly, a function between flood depth and probability of damage overcertain thresholds, i.e., probabilistic depth–damage curves (PDDCs). Thirdly,premium rating models using PDDCs. And finally, the impact of climate change oninsurance premiums.The results were submitted to APRIA 2022 annualconference, and the further revised version will be presented at IAFICO 2023 annualconference.