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Discriminations dans l'accès à la banque et à l'assurance : Les enseignements de trois testings

Author

Listed:
  • Yannick L'Horty

    (ERUDITE - Equipe de Recherche sur l’Utilisation des Données Individuelles en lien avec la Théorie Economique - UPEM - Université Paris-Est Marne-la-Vallée - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12, TEPP - Travail, Emploi et Politiques Publiques - UPEM - Université Paris-Est Marne-la-Vallée - CNRS - Centre National de la Recherche Scientifique)

  • Mathieu Bunel

    (UNC - Université de la Nouvelle-Calédonie, LARJE - Laboratoire de Recherches Juridique et Economique - UNC - Université de la Nouvelle-Calédonie, TEPP - Travail, Emploi et Politiques Publiques - UPEM - Université Paris-Est Marne-la-Vallée - CNRS - Centre National de la Recherche Scientifique)

  • Souleymane Mbaye

    (ERUDITE - Equipe de Recherche sur l’Utilisation des Données Individuelles en lien avec la Théorie Economique - UPEM - Université Paris-Est Marne-la-Vallée - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12, TEPP - Travail, Emploi et Politiques Publiques - UPEM - Université Paris-Est Marne-la-Vallée - CNRS - Centre National de la Recherche Scientifique)

  • Pascale Petit

    (ERUDITE - Equipe de Recherche sur l’Utilisation des Données Individuelles en lien avec la Théorie Economique - UPEM - Université Paris-Est Marne-la-Vallée - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12, TEPP - Travail, Emploi et Politiques Publiques - UPEM - Université Paris-Est Marne-la-Vallée - CNRS - Centre National de la Recherche Scientifique)

  • Loic Du Parquet

    (GAINS - Groupe d'Analyse des Itinéraires et des Niveaux Salariaux - UM - Le Mans Université, TEPP - Travail, Emploi et Politiques Publiques - UPEM - Université Paris-Est Marne-la-Vallée - CNRS - Centre National de la Recherche Scientifique)

Abstract

This study measures different types of discrimination on three markets that have rarely been studied in France, despite the fact that access to these markets can determine the professional and social integration of individuals, in particular young people. These markets are automobile insurance, health insurance, and consumer credit. Within these markets, we assess age discrimination, sex discrimination, ethnic discrimination, and discrimination related to place of residence, using correspondence testing. We used six profiles of fictitious individuals who submitted similar requests for a quotation from credit providers, insurance providers, and health insurance providers. First of all, in March 2016, we tested 38 non-life and composite insurance companies by sending them an online request for a quotation for automobile insurance. Then, between April and May 2016, we tested 52 companies by sending them an online request for a quotation for health insurance. Finally, in June 2016, we tested 20 financial institutions by sending six requests for a quotation for consumer credit in order to buy a second-hand car. These three testing campaigns highlight the existence of age discrimination, sex discrimination, ethnic discrimination, and discrimination related to place of residence, both in the access to services and in the pricing applied by providers.

Suggested Citation

  • Yannick L'Horty & Mathieu Bunel & Souleymane Mbaye & Pascale Petit & Loic Du Parquet, 2019. "Discriminations dans l'accès à la banque et à l'assurance : Les enseignements de trois testings," Post-Print hal-02458697, HAL.
    • Handle: RePEc:hal:journl:hal-02458697
    DOI: 10.3917/redp.291.0049
    as

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    Keywords

    discrimination; bank; insurance; correspondence testing; Discrimination; Banque; Assurance; Testing;
    All these keywords.

    JEL classification:

    • C93 - Mathematical and Quantitative Methods - - Design of Experiments - - - Field Experiments
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • M53 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Personnel Economics - - - Training

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