Ruo Jia

Prof. Dr. Ruo Jia (Alex Jia 贾若) | CV | School of Economics, Peking University

I am an associate professor of insurance. My research interests include information asymmetry in insurance markets, insurance institutional research, and social insurance. I obtained my Ph.D. in Finance (PiF) from the Institute of Insurance Economics (I.VW), University of St.Gallen (HSG). Before that, I was a casualty underwriter and assistant vice president in the Swiss Reinsurance Company.

Peer-Reviewed Journal Articles

  1. Why is Inequality Higher among the Old? Evidence from China, with Katja Hanewald,
    Zining Liu, [    China Economic Review, 60, 101592, 2021]

  2. Globalization: Blessing or Curse? Evidence from the Insurance Industry, with Christian Biener, Martin Eling, [European Journal of International Management, 15(2/3), 457-483, 2021]

  3. Insurer Commitment and Dynamic Pricing Pattern, with Zenan Wu, [Geneva Risk and Insurance Review, 44(1): 87-135, 2019]

  4. Global Consistent or Market-Oriented? A Quantitative Assessment of RBC Standards, Solvency II, and C-ROSS, with Shuyan Liu, Yulong Zhao, Qixiang Sun, [Pacific-Basin Finance Journal, 57(1): 101037, 2019]

  5. Efficiency and Profitability in the Global Insurance Industry, with Martin Eling [Pacific-Basin Finance Journal, 57(1): 101190, 2019]

  6. How private sector participation improves retirement preparation: A case from China, with Wei Zheng and Zining Liu, [Geneva Papers on Risk and Insurance - Issues and Practice, 44(1): 123-147 , 2019]

  7. Business Failure, Efficiency, and Volatility: Evidence from the European Insurance Industry, with Martin Eling, [International Review of Financial Analysis, 59(1): 58-76, 2018]

  8. Between-Group Adverse Selection: Evidence from Group Critical Illness Insurance, with Martin Eling and Yi Yao, [Journal of Risk and Insurance, 84(2): 771-809, 2017]

  9. The Structure of the Global Reinsurance Market: An Analysis of Efficiency, Scale, and Scope, with Martin Eling and Ruo Jia, [Journal of Banking and Finance, 77(1): 213–229, 2017]

  10. Recent Research Developments Affecting Non -Life Insurance: The CAS Risk Premium Project 2014 Update, with Martin Eling, [Risk Management and Insurance Review, 20(1): 63-77, 2017]

  11. 《农业保险大灾风险分散体系：评估框架与国际比较》，合作者郑伟、郑豪、陈广，《农业经济问题》，2019年第9期，121-133页

  12. 《医疗保险、健康异质性与精准脱贫》，合作者刘子宁、郑伟、景鹏，《金融研究》，2019年第5期，56-75页

  13. 《保险机制能否助推脱贫并守住脱贫成果》，合作者景鹏、郑伟、刘子宁，《经济科学》，2019年第2期，104-116页

  14. 《金融业资本监管制度的评估框架》，合作者刘淑彦、孙祁祥，《北京大学学报（哲学社会科学版）》，2019年第1期，137-148页

  15. 《保险扶贫项目的评估框架及应用——基于两个调研案例的分析》，合作者郑伟、景鹏、刘子宁，《保险研究》，2018年第8期，13-20页，2018年度最佳论文

  16. 《量化供给侧指标对寿险消费的影响——基于寿险供给质量、动能和效率的视角》，合作者范庆祝、孙祁祥，《金融研究》，2017年第9期，115-129页

Working Papers

  1. Adverse Impacts of Regulatory Reform and Policy Remedies: Theory and Evidence, with Zenan Wu, Yulong Zhao, [Review of Finance, invited submission, 2021], presented at ARIA-ASSA 2021

  2. Technology Heterogeneity and Market Structure, with Martin Eling, Jieyu Lin, Casey Rothschild, [Journal of Risk and Insurance, major revision, 2021], presented at RTS 2018

  3. The Impact of Expected Pensions on Consumption: Evidence from China, with Wei Zheng, Youji Lyu, Katja Hanewald, [Journal of Pension Economics and Finance, major revision, 2021], presented at ARIA 2019

  4. The Magic Triangle: Growth, Profitability, and Safety in the Insurance Industry, with Martin Eling, Philipp Schaper, [Geneva Papers on Risk and Insurance-Issues and Practice, major revision, 2021]

  5. 《信任的破坏与重建：来自农村社会养老保险的证据》，合作者高明、艾美彤，《经济研究》，退修，2021

Working in Progress

  1. Regulatory Inconsistency and Shadow Insurance? The Impact of Solvency II on the U.S. Insurance Market, with Shuyan Liu, Jinjing Wang, Jianren Xu, Harold D. Skipper Award for the 2020 APRIA Best Conference Paper @ WRIEC 2020

  2. Public-Private Catastrophe Risk-Sharing: Theory and Application to COVID-19, with Jieyu Lin, Hanyang Wang, presented at ARIA 2019

  3. Do Solvency Capital Requirements Reduce Systemic Risk? Evidence from the U.S. and European Union, with Hua Chen, Shuyan Liu, presented at ARIA 2018

  4. Predicting Insurer Failure: A Machine Learning Approach, with Jieyu Lin, Xi Wang