I am a Ph.D. student from the University of St. Gallen, Switzerland. I am interested in the insurance markets and broad risk management topics. I visited the University of California, Berkeley in Spring 2024.
The primary role of insurance is to diversify idiosyncratic risks, but modern insurers also face non-idiosyncratic risks like market, climate, and cyber risk, complicating efficient risk diversification and hedging. These challenges are further intertwined with informational, financial, and regulatory frictions. Against this background, I study the role of insurance in facing emerging risks and its implications for risk management.
Email: dingchen.ning@unisg.ch