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2 résultats pour « climate risk »

Insuring Correlated Climate Risk: Evidence from Public Reinsurance

11 juil. 2024 Autre, climate risk, Australian home insurance, market dysfunction, idiosyncratic risk, catastrophic climate risks, government reinsurance, private market, subsidization, home insurance premiums, insurer competition, risk ambiguity, insurance affordability, spatially correlated risk, insurance probability, mandatory reinsurance, cyclone damage, actuarially fair, insurance availability

Increasing climate risk has made insurance unaffordable or unavailable in many areas. A study on Australia's government-provided, mandatory reinsurance for cyclone damage shows it decreases home insurance premiums by 21% and increases availability by 11%. The policy reduces costs associated with correlated risks and boosts market competition.

Climate transition risk and the role of bank capital requirements

29 mars 2024 Autre, climate risk, bank capital requirements, financial intermediation, macroprudential policy

“Introducing carbon taxes to reduce carbon emissions from fossil energy induces risk spillovers into the banking sector. Sectoral capital requirements can effectively address risks from energy-related exposures, benefiting household welfare and indirectly facilitating capital reallocation.”

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