Anne Wenche Emblem

Associate Professor

Department of Economics and Finance

Email: anne.w.emblem@uia.no
Phone: +47 38142232
Mobile phone: +4747259844

Office 9I266 (Universitetsveien 19, 4630 Kristiansand, Norway)

Research groups

Areas of responsibility

Anne Wenche Emblem is an Associate Professor at the School of Business and Law at the University of Agder. She holds a doctorate (Dr.oecon) in Economics from Norwegian School of Economics (NHH).

Emblem aspires to do research of high relevance to the society and she takes pleasure from collaborating with external partners in public and private sector. Emblem’s research interests are within the fields of real estate economics, housing, health and living arrangements. Also, she conducts research on health care financing and health economics.

Her research is published in scientific journals, such as Research in Economics,Journal of Real Estate Finance and Economics, International Journal of Health Care Finance and Economic, International Tax and Public Finance and Journal of Property Research.

Emblem is head of the Center for Real Estate Economics, and head of the research group Health Economics. She is chairman of Sørlandet Boligbyggelag, and board member of Lillesand næringsareal AS, Agder Røde Kors and Forskerforbundet at UiA. She has been a board member of Kristiansand Næringsselsk, Faculty board of the School of business and Law UiA and Agder Forskning AS. She is a former member of the steering committee for Research based evaluation of the National Mammography Screening Programme in Norway (2007-15) and the government appointed committee suggesting a new financing system for financing regional health authorities in Norway (NOU 2008:2).

Emblem previously served as Senior Analyst at Oxford Research, Chief of Staff/Adviser at Sørlandet Hospital and she has worked for the United Nations in Rome. She was also a consultant at the Ministry of Health and Social Affairs, and she has served as Research Assistant at the Centre for Applied Research at NHH.

Research

Health economics

Economic Evaluation of Health Care Programmes

Real estate economics

Public economics

Academic interests

Health economics, Financing of health care. Economic valuation of life and health, economic evaluation of health care programmes. Health policy, justice. Public economics.

Real estate economics. Housing economics. Housing and welfare

Selected publications

Borgersen, Trond-Arne; Emblem, Anne Wenche (2023). Direct and Indirect Effects of Housing Market Policies using an Augmented DiPasquale-Wheaton framework. Tidsskrift for boligforskning. ISSN (online) 2535-5988 doi.org/10.18261/tfb.6.1.2

Borgersen, Trond Arne; Emblem, Anne Wenche (2022). Mortgage market induced booms and busts in the housing market in a modified DiPasquale-Wheaton model. International Real Estate Review (IRER). ISSN: 2154-8919. 25 (3). s 281 - 306.

Theisen, Theis; Emblem, Anne Wenche (2020). The Road to Higher Prices: Will Improved Road Standards Lead to Higher Housing Prices?. Journal of real estate finance and economics. ISSN: 0895-5638. doi:10.1007/s11146-020-09751-y.

Theisen, Theis; Emblem, Anne Wenche (2018). House prices and proximity to kindergarten – costs of distance and external effects?. Journal of Property Research. ISSN: 0959-9916. 35 (4). s 321 - 343. doi:10.1080/09599916.2018.1513057.

Tuition

Real estate economics (in Master of Business and Administration, Siviløkonom)
Public Economics (in Bachelor of Political science and management)
Supervising Master Thesis (Business and Administration).

Short biography

Oxford Research AS

Sørlandet Hospital HF

Food and Agriculture Organization of the United Nations

Ministry of Health and Social affairs

Norwegian School of Busniess and Adminsitration

Centre for Applied Research at NHH

Borgersen, Trond Arne & Emblem, Anne Wenche (2023). Direct and Indirect Effects of Housing Market Policies using an Augmented DiPasquale-Wheaton framework . Tidsskrift for boligforskning. ISSN 2535-5988. 6(1), p. 4–29. doi: 10.18261/tfb.6.1.2. Full text in Research Archive Show summary
This paper analyses a set of housing market policies in an augmented DiPasquale-Wheaton (ADPW) model where the price-rent (PR) ratio ensures housing market equilibrium across different types of tenure. The aim of the paper is educational, putting several housing market policies into a comprehensive context where the rental housing market, the housing construction industry and the market for owner-occupied housing are interrelated. Housing market dynamics takes both direct and indirect effects into account. The paper finds that introducing tax-deductible mortgage interest rates has a positive effect on house prices. This policy stimulates housing starts and pushes down rental prices. A property tax has a negative effect on house prices while lifting the rental price as the housing industry contracts. Social housing policy interventions on the supply side of the housing market partly crowd out commercial housing supply. Demand-side vouchers have stronger short-run effects as long-run effects incorporate the housing construction industry’s reaction to house price signals. Finally, rental subsidies create a gap between the rent paid by a tenant and the rent received by a landlord. The aggregate effect of a rental subsidy is related to the elasticities of supply and demand, where not only renters, but also homeowners and landlords, may benefit when supply and demand are very elastic.
Borgersen, Trond Arne & Emblem, Anne Wenche (2022). Mortgage market induced booms and busts in the housing market in a modified DiPasquale-Wheaton model. International Real Estate Review (IRER). ISSN 2154-8919. 25(3), p. 281–306.
Theisen, Theis & Emblem, Anne Wenche (2020). Har bomavgift innvirkning på boligpriser- og i så fall hvor mye? En empirisk studie av Kristiansand. . In Mathisen, Terje Andreas & Pedersen, Pål Andreas (Ed.), Transport i interaksjon mellom marked og offentlig regulering. Festskrift til Finn Jørgensen. Fagbokforlaget. ISSN 978-82-450-3213-0.
Theisen, Theis & Emblem, Anne Wenche (2020). The Road to Higher Prices: Will Improved Road Standards Lead to Higher Housing Prices? Journal of real estate finance and economics. ISSN 0895-5638. doi: 10.1007/s11146-020-09751-y. Full text in Research Archive
Theisen, Theis & Emblem, Anne Wenche (2018). House prices and proximity to kindergarten – costs of distance and external effects? . Journal of Property Research. ISSN 0959-9916. 35(4), p. 321–343. doi: 10.1080/09599916.2018.1513057.
Emblem, Anne Wenche; Theisen, Theis & Aamo, Bjørn Skogstad (2017). Regionale forskjeller i boligprisutviklingen - mulige årsaker. Samfunnsøkonomen. ISSN 1890-5250. p. 14–25. Show summary
Boligprisene i Norge har over lang tid økt. Samtidig har boligprisutviklingen i noen regioner avveket fra trendveksten for landet som helhet, både på kort og lang sikt. Mens boligprisene i Oslo har økt mest i årene etter 2010, var veksten i boligpriser i perioden 2005-2008 vesentlig sterkere både i Kristiansand og Stavanger, i Stavanger også i årene fram til 2014. Vi drøfter ulike årsaker til den observerte veksten i boligpriser og de regionale forskjellene. Store svingninger i boligpriser kan potensielt ha store samfunnsøkonomiske konsekvenser og vi diskuterer aktuelle regulatoriske tiltak
Asheim, Geir Bjarne; Emblem, Anne Wenche & Nilssen, Tore (2010). Health insurance: medical treatment vs. disability payment. Research in Economics. ISSN 1090-9443. 64, p. 137–145. doi: 10.1016/j.rie.2010.02.004. Full text in Research Archive Show summary
We present arguments for treating health insurance and disability insurance in an integrated manner in economic analysis, based on a model where each individual's utility depends on both consumption and health and her income depends on her earning ability. When purchasing insurance, she may choose a contract that offers less than full medical treatment. We find that high-ability individuals demand full recovery and equalize utility across states, while low-ability individuals demand partial treatment and cash compensation and suffer a loss in utility if ill. Our results carry over to the case where health states are not observable.
Emblem, Anne Wenche; Asheim, Geir & Nilssen, Tore (2003). Deductibles in Health Insurance: Pay or Pain? International Journal of Health Care Finance and Economics. ISSN 1389-6563. 3(4), p. 253–266.
Emblem, Anne Wenche (2002). Redistribution at the Hospital. International Tax and Public Finance. ISSN 0927-5940. 9(4), p. 367–378.

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Emblem, Anne Wenche (2023). Tilpassing av bosituasjon blant eldre: hvordan fungerer boligmarkedet?
Emblem, Anne Wenche (2023). Mulighetsrom i siste fase av boligkarrieren: en minstepensjonistindeks.
Emblem, Anne Wenche (2022). Svarer leserne på spørsmål om personlig økonomi. [Newspaper]. Fedrelandsvennen.
Emblem, Anne Wenche (2022). Boligmarkedet i Kristiansand. [Newspaper]. Fedrelandsvennen.
Emblem, Anne Wenche (2022). Dette sier fagfolkene om Q42. [Newspaper]. Fedrelandsvennen.
Emblem, Anne Wenche (2021). Hett hyttemarked: Bør man kjøpe eller vente? [Newspaper]. VG.
Emblem, Anne Wenche (2021). "Rekordhøye strømpriser". [TV]. NRK Sørlandet, Distriktsnyheter.
Emblem, Anne Wenche (2020). Ny E18 førte til økte boligpriser. [Newspaper]. Agderposten.
Fløde, Vidar; Theisen, Theis & Emblem, Anne Wenche (2020). Ny E18 ga prishopp på boliger i disse sørlandsbyene. [Newspaper]. Agderposten.
Reinertsen, Rune; Theisen, Theis & Emblem, Anne Wenche (2020). Høyere boligpriser innenfor bomringen. [Newspaper]. Fædrelandsvennen.
Theisen, Theis & Emblem, Anne Wenche (2020). The road to higher prices.
Emblem, Anne Wenche (2019). Boligmarkedet i Kristiansand. Hvor vil vi bo og hvor mye vil vi betale?
Theisen, Theis & Emblem, Anne Wenche (2019). The impact of improved road standards on housing prices .
Emblem, Anne Wenche & Theisen, Theis (2018). Masteroppgaver om eiendomsmarkedet. [Newspaper]. Fedrelandsvennen. Show summary
Til sammen 4 avisartikler er publisert om resultater av fem ulike masteroppgaver som ble ferdigstilt ved HH UiA, juni 2018. Artiklene ble publisert 6.7, 9.7, 10.7 og 11.7.
Emblem, Anne Wenche (2018). Forenklet samfunnsøkonomisk analyse. Telemedisinsk oppfølging til KOLS-pasienter. .
Theisen, Theis & Emblem, Anne Wenche (2017). House prices and proximity to kindergarten - costs of distance and external effects.
Emblem, Anne Wenche (2017). Innspill til tverrfaglig forskningsagenda for utvikling av byene på Sørlandet.
Theisen, Theis & Emblem, Anne Wenche (2016). Proximity to kindergarten: valuable to be close, but not too close.
Emblem, Anne Wenche & Theisen, Theis (2015). Chain of towns.
Emblem, Anne Wenche & Theisen, Theis (2015). Proximity to Kindergarten: valuable to be close, but not too close.
Emblem, Anne Wenche (2015). Helseøkonomiske kostnader: resultater og utfordringer. Forskningsbasert evaluering av det norske mammografiprogrammet.
Emblem, Anne Wenche (2015). Samhandling- ikke bare fornuftig men nødvendig.
Emblem, Anne Wenche (2014). Kampen om penger og innflytelse.
Emblem, Anne Wenche (2014). Bygger egne forbikjøringsfelt i Helse-Norge. Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche (2014). Boligutbygging- implikasjoner for framtidens helse- og omsorgssektor. Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche (2014). Sykehusstruktur på Agder: hell ikke barnet ut med badevannet! Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche (2014). Det er summen som teller. Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche (2014). Alle eldre vil bo i blokk? Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche & Theisen, Theis (2014). The road to higher prices: Improved road standard and changes in housing prices.
Emblem, Anne Wenche (2014). Fritt sykehusvalg - men bare for de friske og velinformerte. Aftenposten (morgenutg. : trykt utg.). ISSN 0804-3116.
Emblem, Anne Wenche (2013). Hadde ventet sterkere prisfall. [Newspaper]. Fedrelandsvennen.
Nyhus, Ellen Katrine & Emblem, Anne Wenche (2007). Om økonomer, etikk og helse Debattinnlegg. Fædrelandsvennen. ISSN 0805-3790.
Nyhus, Ellen Katrine & Emblem, Anne Wenche (2007). Mindre helse for mer penger? Synspunkt. Fædrelandsvennen. ISSN 0805-3790.
Emblem, Anne Wenche (2007). Optimal Income Taxation and Public Provision of Health Care.
Emblem, Anne Wenche (2007). Hvordan finansieres helsevesenet? ?. 1.
Emblem, Anne Wenche; Asheim, Geir & Nilssen, Tore (2006). Health insurance: medical treatment versus disability payment.
Emblem, Anne Wenche (2005). Optimal income taxation and public provision of healt care.
Emblem, Anne Wenche; Asheim, Geir & Nilssen, Tore (2003). Deductibles in Health Insurance: Pay or Pain?
Emblem, Anne Wenche (2003). Able or Disabled: Optimal Income Taxation and Public Provision of Health Care.
Emblem, Anne Wenche (2002). Able or Disabled: Optimal Income Taxation and the Use of Medical Treatment as Redistributive Instrument.
Emblem, Anne Wenche (2002). Deductibles in Health Insurance: Pay or Pain?
Emblem, Anne Wenche (2001). Medical insurance as a means of redistribution.
Emblem, Anne Wenche; Asheim, Geir & Nilssen, Tore (1999). Health insurance: treatment vs compensation.
Emblem, Anne Wenche; Nilssen, Tore & Asheim, Geir (1999). Health insurance: Treatment vs. Compensation.
Emblem, Anne Wenche & Bersvendsen, Tore (2022). Forbruk av helsetjenester blant mottakere av telemedisinsk avstandsoppfølgning i prosjektet TELMA. . Annet.
Emblem, Anne Wenche (2003). Compensation if Ill: In Cash and In Kind. Essays on Health Insurance. Norges Handelshøyskole. ISSN 8240501036.
Asheim, Geir; Emblem, Anne Wenche & Nilssen, Tore (2002). Deductibles in Health Insurance: Pay or Pain? ISSN 8277560923.
Emblem, Anne Wenche (2002). Redistribution at the hospital. ISSN 8277560850.
Emblem, Anne Wenche (2001). Redistribution at the hospital. Universitetet i Agder. Show summary
This paper studies redistribution by means of a public supply of medical treatment. We show that the government can redistribute income towards low-ability individuals in a wold of asymmetric information by offering bundles of medical treatment and redistributive payments. If self-selection is a problem, then the separating scheme offers high-ability individuals complete treatment against a high payment, and low-ability individuals partial treatment against a low payment. In particular, the level of treatment offered low-ability individuals is distorted downwards.

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Published Apr. 16, 2024 11:30 AM - Last modified May 14, 2024 3:20 PM