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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
  • Mathieu Bunel
  • Souleymane Mbaye
  • Pascale Petit
  • Loïc Du Parquet

Abstract

This research measures discriminations on three markets which were rarely studied in France even though the access to these markets determines the occupational and social integration of individuals, in particular young people?: automobile insurance, health insurance and consumer credit market. On these markets, we estimate the age discrimination, sexual discrimination, ethnic origin discrimination, and discrimination based on place of residence, using correspondence testing. We used six profiles of fictitious individuals who submitted similar requests for an quotation from credits, insurances and health insurances providers. First of all, in March?2016, we tested?38?non-life and composite insurance company by sending them an online request for a quotation for an automobile insurance. Then, between April and May, 2016, we tested?52?companies which allowed sending a request for an estimate for a health insurance from a simulation made on their website. Finally, in June, 2016, we tested?20?financial institutions by sending six requests to estimate the cost of a consumer credit in order to buy a second-hand car. These three testing campaigns highlight the existence of age discrimination, sexual discrimination, ethnic discrimination, as well as discrimination related place of residence, both in the access to the services and in pricing applied by providers. Classification JEL?: C93, J14, M53

Suggested Citation

  • Yannick L’Horty & Mathieu Bunel & Souleymane Mbaye & Pascale Petit & Loïc Du Parquet, 2019. "Discriminations dans l’accès à la banque et à l’assurance : Les enseignements de trois testings," Revue d'économie politique, Dalloz, vol. 129(1), pages 49-78.
  • Handle: RePEc:cai:repdal:redp_291_0049
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    Keywords

    discrimination; bank; insurance; correspondence testing;

    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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