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81.
Kangoh Lee 《Journal of Regulatory Economics》2017,51(1):1-17
Available evidence shows that consumers overinsure against modest risks. For instance, a majority of consumers tend to choose too low a level of deductible for homeowners insurance and automobile insurance, and purchase excessive warranties for electronics and other durable products such as automobiles and furniture. The analysis demonstrates that overinsurance decreases consumer welfare and increases insurers’ profits. This tendency of overinsurance stems from lack of information about the probability and magnitude of loss, and it calls for policies that require insurers or third-party organizations to provide more, albeit not perfect, information and data for consumers before they make insurance-purchase decisions. The implications of the analysis for other financial products such as stocks and deposits are discussed. 相似文献
82.
83.
Chang-Yang Lee 《Technovation》2011,31(5-6):256-269
This paper aims to evaluate the effects of various forms of public research and development (R&D) support on firms’ incentives to invest in R&D. First, in order to identify potential channels through which public R&D support influences firm R&D, a formal model of firm R&D with public R&D support is developed and analyzed. Four potential channels are identified: the technological-competence-enhancing effect, the demand-creating effect, the R&D-cost-reducing effect and the (project) overlap (or duplication) effect. These multiple channels indicate that it is difficult to evaluate the aggregate effect of public R&D support and that there are differential effects of public R&D support on firm R&D, depending on various firm- or industry-specific characteristics. Second, the differential effects of public R&D support are empirically tested using unique firm-level data for nine industries across six countries. Public support tends to have a complementarity effect on private R&D for firms with low technological competence, for firms in industries with high technological opportunities and for firms facing intense market competition. In contrast, firms with high technological competence and firms that have enjoyed fast demand growth in recent years show a crowding-out effect, and firm size and age do not show any discernible differential effect. 相似文献
84.
This study examines health inspection data from casual dining restaurants and compares differences of food code violations between ethnic and nonethnic restaurants. A total of 7,415 violations were retrieved from the restaurant inspection reports of 769 restaurants. Ethnic restaurants have more violations than nonethnic restaurant in categories related to food time/temperature violations, cross contamination, and food condition/surface/labels. Nonethnic and chain restaurants had fewer behavioral violations than ethnic and independently operated restaurants. Ethnic restaurants were 1.74 times more likely than nonethnic restaurants to have critical violations. Meanwhile, independent restaurants were 1.64 times more likely than chain restaurants to have critical violations. 相似文献
85.
The purpose of the current study was to segment U.S. consumers into four distinct clusters based on their beliefs and motives regarding pro-environmental consumer behavior. Using a nationally representative sample of U.S. adults from Experian Simmons (N = 22,348), this study revealed that: (a) there are four clusters of consumers in the United States with a unique set of beliefs and motives regarding consumer environmentalism; (b) the clusters have distinct demographic and media usage profiles; and (c) the groups have varying responses to the industry's initiatives to protect the environment. Implications of the research are discussed in light of developing message and media strategies for green marketing. 相似文献
86.
This study developed a procedure to determine the quality priorities of the internet protocol television (IPTV) service. First, a set of key elements of IPTV service quality was developed based on a literature review and a focus group interview. Second, analytic hierarchy process and the Kano model were applied to identify the requirements of experts and customers, respectively. The experts measured the importance and difficulty of management, whereas the customers measured the satisfaction level and importance of each quality element. Third, quality priorities were calculated through the entropy principle and scenario-based analysis. The proposed procedure is illustrated with a case study of a telecommunications company in Korea. 相似文献
87.
Backpackers first appeared in the seventeenth century. The twenty-first century has witnessed the rise of a new backpacker subculture given the changing times: one that is closely related to technology use is called flashpackers. The research discussed in this article explores the relationships between travel experience, personal development, and travel motivation of flashpackers. The study uses convenience sampling taken in the lobby of Taiwan Taoyuan International Airport. A total of 400 questionnaires were issued and 375 valid questionnaires were recovered; the rate of return was 93.8%. The results of this study are the following: (1) there are differences between travel experience and travel motivation for Taiwan’s flashpackers; (2) there is a relationship between personal development and travel experience of Taiwan’s flashpackers; (3) there is a correlation between personal development and travel motivation for Taiwan’s flashpackers; and (4) personal development moderately affects the relationship between travel experience and travel motivation for Taiwan’s flashpackers. This study contributes to the tourism industry by enhancing direct targeting of customers, and it provides hospitality and travel agency managers with the means to determine appropriate marketing strategies for flashpackers. 相似文献
88.
Appropriate real‐time forecasting models for the US retail price of gasoline yield substantial reductions in the mean‐squared prediction error (MSPE) at horizons up to 2 years as well as substantial increases in directional accuracy. Even greater MSPE reductions are possible by constructing a pooled forecast that assigns equal weight to five of the most successful forecasting models. Pooled forecasts have lower MSPE than the US Energy Information Administration gasoline price forecasts and the gasoline price expectations in the Michigan Survey of Consumers. We also show that as much as 39% of the decline in gas prices between June and December 2014 was predictable. Copyright © 2016 John Wiley & Sons, Ltd. 相似文献
89.
90.
Drawing from the notion of cultural friction and based on the agency theory rationalization of multinational enterprise (MNE) headquarter–subsidiary relationship, we examine the impact of cultural friction in foreign subsidiaries on subsidiary performance. We argue that cultural friction, arising due to a high presence of parent country nationals (PCNs) in culturally distant locations, has a detrimental effect on subsidiary performance. This effect is the strongest when the cultural friction is at the top management team (TMT) level and the weakest when friction is at the regular employee level. However, this relationship is contingent on factors that work as drags or lubricants for cultural friction between PCNs and host country nationals (HCNs). We identify governance mode and language differences between home and host countries as drag parameters and host country experience and subsidiary interdependence as lubricants that condition the effect of cultural friction on subsidiary performance. Empirical findings based on a longitudinal sample of 7,495 foreign subsidiary observations of 467 Korean MNEs in 63 countries during 1990–2014 provide robust support for our theoretical predictions. 相似文献