Self-Fulfilling Runs: Evidence from the US Life Insurance Industry

S-Tier
Journal: Journal of Political Economy
Year: 2020
Volume: 128
Issue: 9
Pages: 3520 - 3569

Score contribution per author:

2.681 = (α=2.01 / 3 authors) × 4.0x S-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

The interaction of worsening fundamentals and strategic complementarities among investors renders identification of self-fulfilling runs challenging. We propose a dynamic model to show how exogenous variation in firms’ liability structures can be exploited to obtain variation in the strength of strategic complementarities. Applying this identification strategy to puttable securities offered by US life insurers, we find that at least 40% of the $18 billion run on life insurers by institutional investors during the 2007–8 crisis was amplified by self-fulfilling expectations. Our findings suggest that other contemporaneous runs in shadow banking by institutional investors may have had a self-fulfilling component.

Technical Details

RePEc Handle
repec:ucp:jpolec:doi:10.1086/708817
Journal Field
General
Author Count
3
Added to Database
2026-01-25