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El uso de productos financieros en la demanda de seguros en México

Author

Listed:
  • Ignacio Ibarra López

    (Tecnológico de Monterrey, México)

  • Juan Antonio Tapia Cortés

    (Tecnológico de Monterrey, México)

Abstract

En el siguiente trabajo se utilizan datos de la ENIGH (2010, 2012, 2014, 2016 ) para conocer cuáles son los principales factores que inciden en la tenencia de un seguro. Se busca probar si existe al menos un seguro en un hogar de México, en función de aspectos conductuales tales como interacción social, las experiencias personales (e.g. haber enfrentado un accidente), así como del uso de productos y servicios financieros. En relación a la originalidad, se aborda la tenencia de seguros mediante un enfoque mixto, que combina planteamientos de tradicionales y de la economía del comportamiento. Adicionalmente, se promueve el uso de microdatos para enteder la decisiones de aseguramiento a nivel hogar. La principal conclusión es que la inclusión financiera puede llevar al desarrollo de heurísticas en las personas que facilitan la tenencia de seguros en México.

Suggested Citation

  • Ignacio Ibarra López & Juan Antonio Tapia Cortés, 2022. "El uso de productos financieros en la demanda de seguros en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 17(3), pages 1-26, Julio - S.
    • Handle: RePEc:imx:journl:v:17:y:2022:i:3:a:6
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    More about this item

    Keywords

    seguros; primas; inclusión financiera; riesgos; productos financieros;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G52 - Financial Economics - - Household Finance - - - Insurance
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General
    • D19 - Microeconomics - - Household Behavior - - - Other

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