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来源类型Working Paper
规范类型报告
DOI10.3386/w12446
来源IDWorking Paper 12446
Goals and Plans in Protective Decision Making
David H. Krantz; Howard Kunreuther
发表日期2006-08-17
出版年2006
语种英语
摘要Protective decisions are often puzzling. Among other anomalies, people insure against non-catastrophic events, underinsure against catastrophic risks, and allow extraneous factors to influence insurance purchases and other protective decisions. Neither expected utility theory nor prospect theory can explain these anomalies satisfactorily. We propose a constructed-choice model for general decision making. The model departs from utility theory and prospect theory in its treatment of multiple goals and it suggests several different ways in which context can affect choice. To apply this model to the above anomalies, we consider many different insurance-related goals, organized in a taxonomy, and we consider the effects of context on goals, resources, plans and decision rules. The paper concludes by suggesting some prescriptions for improving individual decision making with respect to protective measures.
主题Financial Economics ; Financial Institutions ; Public Economics ; Taxation ; Public Goods
URLhttps://www.nber.org/papers/w12446
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/570104
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David H. Krantz,Howard Kunreuther. Goals and Plans in Protective Decision Making. 2006.
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