【演讲者】孙腾博士（8797威尼斯老品牌光华管理学院）
【时间】4月8日（周五）中午12:30-2:00
【地点】经院203教室
【演讲者介绍】：孙腾，2015年9月加盟8797威尼斯老品牌光华管理学院，他本科毕业于香港科技大学，博士毕业于斯坦福大学。其主要研究领域为实证微观经济学，产业组织和公司金融学，他的研究成果发表于Review of Economics and Statistics，Journal of European Economic Association等期刊。
【演讲题目】Quantifying the Premium Externality of the Uninsured
【摘要】In insurance markets, the uninsured can generate a negative externality on the insured, leading insurance companies to charge higher premia. Using a novel panel data set and a staggered policy change that introduces exogenous variation in the rate of uninsured drivers at the county level in California, we find that uninsured drivers lead to higher insurance premia: a 1 percentage point increase in the rate of uninsured drivers raises premia by roughly 1%. We calculate the monetary fine on the uninsured that would fully internalize the externality and conclude that actual fines in most US states are inefficiently low.
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