Institut für Risikomanagement und Versicherung
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Prof. Dr. Andreas Richter - Curriculum Vitae

 

CURRICULUM VITAE

10/2013 - present Vice Dean, Munich School of Management, Ludwig-Maximilians-Universität Munich
2011-2013 Dean, Munich School of Management, Ludwig-Maximilians-Universität Munich
2/2010 - present Director, Munich Risk and Insurance Center
10/2007 - present Academic Director, Executive Program "Executive Master of Insurance" Ludwig-Maximilians-Universität Munich
2006 - 2010 Advisor and Guest Lecturer, Chinese-German University College, Tongji University Shanghai, China
1/2006 - present Professor of Risk and Insurance; Chair, Institute for Risk Managament and Insurance (INRIVER), Munich School of Management, Ludwig-Maximilians-Universität Munich
2004 - 2007 Guest Lecturer, Friedrich-Alexander University Erlangen-Nürnberg
8/2003 - 12/2005 Assistant Professor (Tenure Track), Department of Finance, Insurance and Law, Illinois State University
11/2002 Habilitation, University of Hamburg
4/1999 - 10/1999 Postdoctoral fellow at the Wharton School of the University of Pennsylvania (Philadelphia)
1998 - 2003 Assistant Professor, Institute for Risk and Insurance, University of Hamburg
7/1998 Dr.rer.pol., University of Hamburg
1994 Diplom, business administration and mathematics, University of Hamburg

 

 

 

AWARDS AND GRANTS

2013 Reserach grant for the "Behavioral Risk and Insurance Research Group" from LMUexcellent
2008 Harold D. Skipper Best Paper Award, Asia-Pacific Risk and Insurance Association
2007, 2008, 2013 Research grants from the German Insurance Science Association
2004, 2005 Summer research grants, Katie School of Insurance, Illinois State University
2002 Hamburg Insurance Science Award
2001 Outstanding Paper Award,
5th Annual Conference of the Asia-Pacific Risk and Insurance Association
2000 Dissertation awarded the Ernst Meyer Prize of the International Association for the Study of Insurance Economics (The Geneva Association)
1999 Research grant from the German Academic Exchange Service (DAAD)



RESEARCH INTERESTS

Microeconomic Theory of Insurance
Law and Economics
Management of Catastrophic Risk



PROFESSIONAL SERVICE

Past President of the American Risk and Insurance Association
Executive Board of the European Group of Risk and Insurance Economists
Editorial Board of the Journal of Risk and Insurance
Associate Editor, Geneva Risk and Insurance Review
Editorial Board of the Geneva Papers on Risk and Insurance - Issues and Practice
Editorial Board of the Asia-Pacific Journal of Risk and Insurance
Advisory Board, Federal Financial Supervisory Authority (BaFin)
Advisory Board, Insurance Ombudsman
Editorial Board, Journal of Insurance Issues
Advisory Board, International Center for Insurance Regulation, House of Finance, Goethe University, Frankfurt (2012-2014)
International Advisory Board, Risk and Insurance Research Center, National Chengchi University, Taiwan
Advisory Board, SKKU Graduate School of Insurance, South Korea
Board of Trustees, Bavarian Finance Center

 

 

 

MONOGRAPHS

Moderne Verhaltensökonomie in der Versicherungswirtschaft (Modern Behavioral Economics in the Insurance Industry), Wiesbaden 2018.
Risiko und Versicherungstechnik - Eine ökonomische Einführung (Risk and Insurance - An Introduction), Wiesbaden 2018.
Zu Funktion und Ausgestaltung von Haftungsregeln bei Risikoaversion - Eine ökonomische Analyse unter besonderer Berücksichtigung von Kumulrisiken und unvollkommenen Versicherungsmöglichkeiten (On the function and design of liability rules when actors are risk averse – An economic analysis especially considering the risk of cumulative losses and imperfect insurance markets), doctoral thesis, Karlsruhe 1999
Adverse Selektion auf Versicherungsmärkten - Informationsökonomische Analyse bei exogener, vom Versicherer nicht beobachtbarer Schadenverteilung (Adverse selection in insurance markets – An analysis for the case of exogenous and unobservable loss distribution), Karlsruhe 1995



REFEREED PUBLICATIONS

Special issue in honor of Harris Schlesinger: New developments in the study of risk preferences, The Geneva Risk and Insurance Review, 43 (2018): 1-4 (with Cary Deck and Sebastian Ebert).
The Choice of Trigger in an Insurance Linked Security: The Mortality Case, Insurance: Mathematics and Economics, 78 (2018): 174-182 (with Richard MacMinn).
Endogenous Information, Adverse Selection, and Prevention: Implications for Genetic Testing Policy, Journal of Health Economics, 55 (2017): 95-107 (with Richard Peter and Paul Thistle).
Hazard-Specific Supply Reactions in the Aftermath of Natural Disasters, Geneva Papers on Risk and Insurance 42 (2017): 193-225 (with Vijay Aseervatham, Patricia Born and Dominik Lohmaier).
Yes, No, Perhaps? - Premium Risk and Guaranteed Renewable, Insurance Contracts with Heterogeneous Incomplete Private Information, Journal of Risk and Insurance 83 (2016): 363-385 (with Richard Peter and Petra Steinorth).
Introduction: Symposium on the Methodologies of Behavioral Insurance, Journal of Risk and Insurance 83 (2016): 43-47 (with Glenn Harrison).
The Affection Effect in an Incentive Compatible Insurance Demand Experiment, Economics Letters 131 (2015): 34-37 (with Vijay Aseervatham and Johannes Jaspersen).
The Wealth Effects of Premium Subsidies on Moral Hazard in Insurance Markets, European Economic Review 77 (2015): 139-153 (with Johannes Jaspersen).
Behavioral Bias and the Demand for Bicycle and Flood Insurance, Journal of Risk and Uncertainty 50 (2015): 141-160 (with Mark Browne and Christian Knoller).
Insurance Regulation and Life Catastrophe Risk, Geneva Papers on Risk and Insurance 40 (2015): 256-278 (with Gunther Kraut).
Annuitization Behavior: Tax Incentives vs. Product Design, ASTIN Bulletin 44 (2014): 535-558 (with Alexander Kling and Jochen Russ).
Behavioral Insurance: Theory and Experiments, Journal of Risk and Uncertainty 48 (2014): 85-96 (with Jörg Schiller and Harris Schlesinger).
Take-up for Genetic Tests and Ambiguity, Journal of Risk and Uncertainty 48 (2014): 111-133 (with Mike Hoy and Richard Peter).
Intermediation and (Mis-)Matching in Insurance Markets – Who Should Pay the Insurance Broker?, Journal of Risk and Insurance 80 (2013): 329-350 (with Uwe Focht and Jörg Schiller).
Mortality-Indexed Annuities - Managing Longevity Risk via Product Design, North American Actuarial Journal 15 (2011): 212-236 (with Frederik Weber).
Reforming Insurance Regulation: Where do we start?, Journal of Insurance Regulation 29 (2010): 29-46 (with Patricia Born).
When prices hardly matter: Incomplete insurance contracts and markets for repair goods, European Economic Review 53 (2009): 343–354 (with Martin Nell and Jörg Schiller).
Public-Private-Partnerships: Private und staatliche Strategien zum Management von Katastrophenrisiken, Journal of Applied Social Science Studies 128 (2008): 561-592 (with Barbara Klimaszewski-Blettner).
The Impact of Surplus Distribution on the Risk Exposure of With Profit Life Insurance Policies Including Interest Rate Guarantees, Journal of Risk and Insurance 74 (2007): 571-589 (with Alexander Kling and Jochen Russ).
The Interaction of Guarantees, Surplus Distribution, and Asset Allocation in With Profit Life Insurance Policies, Insurance: Mathematics and Economics 40 (2007): 164-178 (with Alexander Kling and Jochen Russ).
Improving Risk Allocation through Cat Bonds, The Geneva Papers on Risk and Insurance 29 (2004): 183-201 (with Martin Nell).
Moderne Finanzinstrumente im Rahmen des Katastrophen-Risk-Managements - Basisrisiko versus Ausfallrisiko (New Financial Instruments for Managing Catastrophe Risk - Basis Risk versus Credit Risk), Zeitschrift für betriebswirtschaftliche Forschung 56 (2004): 99-121.
Optimales Vertragsdesign bei moralischem Risiko in der Rückversicherung (Optimal Reinsurance Contract Design in the Presence of Moral Hazard), Zeitschrift für die gesamte Versicherungswissenschaft 92 (2003): 483-506 (with Klaus Bender).
The Design of Liability Rules for Highly Risky Activities - Is Strict Liability Superior When Risk Allocation Matters?, International Review of Law & Economics 23 (2003): 31-47 (with Martin Nell).
Sovereign Cat Bonds and Infrastructure Project Financing, Risk Analysis 23 (2003): 611-626 (with David Croson).
Tax Arbitrage in the German Insurance Market, Blätter der Deutschen Gesellschaft für Versicherungsmathematik 25 (2003): 659-672 (with Jochen Russ).
Moral Hazard, Basis Risk, and Gap Insurance, Journal of Risk and Insurance 69 (2002): 9-24 (with Neil Doherty).
Risiken aus kommerzieller Nutzung des Internet - Möglichkeiten der Schadenverhütung und Versicherung (Risks deriving from commercial use of the internet - Loss prevention and insurance), Zeitschrift für die gesamte Versicherungswissenschaft 89 (2000): 605-633 (with Torsten Lesch).
Die ökonomische Funktion von Haftungsregeln bei Risikoaversion und Haftpflichtversicherungsmöglichkeiten (The economic function of liability when actors are risk averse and insurance is available), Zeitschrift für die gesamte Versicherungswissenschaft 89 (2000): 421-431.
Optimal Liability: The Effects of Risk Aversion, Loaded Insurance Premiums, and the Number of Victims, The Geneva Papers on Risk and Insurance 21 (1996): 240-257 (with Martin Nell).



OTHER PUBLICATIONS

Entlohnung und Regulierung unabhängiger Versicherungsvermittler, in: Schäfer, K.; Burghof, H.-P.; Johanning, L.; Wagner, H. F.; Rodt, S. (eds.), Risikomanagement und kapitalmarktorientierte Finanzierung: Festschrift zum 65. Geburtstag von Bernd Rudolph, Frankfurt a. M. 2009: 319-336. (with Jörg Schiller)
Versicherungsvermittlung: Vergütungsstrukturen und Anbieterkollusion: Brömmlmeyer, C.; Heiss, H.; Meyer, U.; Rückle, D.; Schwintowsky, H.-P.; Wallrabenstein, A. (eds.): Allgemeines Gleichbehandlungsgesetz. Private Krankenversicherung und Gesundheitsreform. Schwachstellen der VVG Reform, Versicherungswirtschaftliche Studien 34, Baden-Baden 2009. (mit Uwe Focht und Jörg Schiller)
Catastrophic Events as Threats to Society: Private and Public Risk Management Strategies - Frenkel, M., Hommel, U., Rudolf, M. (eds.): Risk Management: Challenge and Opportunity, 2nd ed., Berlin Heidelberg 2005: 321-340. (with Martin Nell)
Zustandsabhängige Vertragsgestaltung - Die Verwendung exogener Bezugsgrößen bei moralischem Risiko (State-dependant contract design
- The use of exogenous triggers in a moral hazard setting),
in: Jahnke, H.; Brüggemann, W. (eds.), Betriebswirtschaftslehre und betriebliche Praxis. Festschrift für Horst Seelbach zum 65. Geburtstag, Wiesbaden 2003: 325-341. (with Martin Nell and Walter Karten)
Alternative Risk Transfer Mechanisms for Seismic Risks, in: Kleindorfer, P. and Sertel, M. (eds.): Mitigation and Financing of Seismic Risks in Turkey: Turkish and International Perspectives, Dordrecht 2001: 237-253. (with Martin Nell)
Umwelthaftung, in: Bühner, R. (eds.): Management-Lexikon, Munich 2001: 781-784. (with Walter Karten)
Die Haftung für Konsequenzen besonders risikobehafteter Aktivitäten - Ist die Gefährdungshaftung die überlegene Lösung? (Liability for consequences of particularly risky activities - Is strict liability the better solution), in: Mager, H.-C., Schäfer, H. and Schrüfer, K. (eds.), Private Versicherung und Soziale Sicherung, Festschrift zum 60. Geburtstag von Roland Eisen, Marburg 2001: 71-96. (with Martin Nell)
Prävention und Versicherung für Gefahren aus dem Internet (Loss prevention and insurance for dangers from the Internet) , Versicherungswirtschaft 55 (2000): 1774-1778 (I) and 1856-1858 (II). (with Torsten Lesch)
Risiken aus Umwelthaftung - Risk Management und Versicherung (Environmental liability risks - Risk management and insurance), in: Hansmann, K.-W. (eds.): Umweltorientierte Betriebswirtschaftslehre: Eine Einführung, Wiesbaden 1998: 415-455. (with Walter Karten)
Gleichgewichte bei adverser Selektion auf Versicherungsmärkten (Equilibria in insurance markets with adverse selection), in: Hesberg, D.; Nell, M. and Schott, W. (eds.), Risiko - Versicherung - Markt - Festschrift für Walter Karten zur Vollendung des 60. Lebensjahres, Karlsruhe 1994: 197-219.



CO-EDITORSHIP

Biagini, F.; Richter, A.; Schlesinger, H. (eds.): Risk Measures and Attitudes, 2013.
Hesberg, D.; Nell, M.; Richter, A.; Schott, W. (eds.): Versicherungsbetriebslehre: Kernfragen aus entscheidungsorientierter Sicht, Karlsruhe 2000.