| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w12446 |
| 来源ID | Working 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 |
| URL | https://www.nber.org/papers/w12446 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/570104 |
| 推荐引用方式 GB/T 7714 | David H. Krantz,Howard Kunreuther. Goals and Plans in Protective Decision Making. 2006. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w12446.pdf（540KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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