| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w26508 |
| 来源ID | Working Paper 26508 |
| Predicting Insurance Demand from Risk Attitudes | |
| Johannes G. Jaspersen; Marc A. Ragin; Justin R. Sydnor | |
| 发表日期 | 2019-12-02 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | Can measured risk attitudes and associated structural models predict insurance demand? In an experiment (n = 1,730), we elicit measures of utility curvature, probability weighting, loss aversion, and preference for certainty and use them to parameterize seventeen common structural models (e.g., expected utility, cumulative prospect theory). Subjects also make twelve insurance choices over different loss probabilities and prices. The insurance choices show coherence and some correlation with various risk-attitude measures. Yet all the structural models predict insurance poorly, often less accurately than random predictions. Simpler prediction heuristics show more promise for predicting insurance choices across different conditions. |
| 主题 | Microeconomics ; Economics of Information ; Financial Economics ; Financial Institutions |
| URL | https://www.nber.org/papers/w26508 |
| 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/584180 |
| 推荐引用方式 GB/T 7714 | Johannes G. Jaspersen,Marc A. Ragin,Justin R. Sydnor. Predicting Insurance Demand from Risk Attitudes. 2019. |
| 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 | ||
| w26508.pdf（2795KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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