越多正式保险是否越能提高风险覆盖率:一个实验研究

发布时间：2018-05-03 19:31

本文选题：非正式风险分担 + 保险　；参考：《世界经济》2014年02期

【摘要】：本文采用理论模型对正式保险合同和非正式风险分担机制的关系进行研究发现,如果存在非正式风险分担机制,该机制下的私人转移通常会被正式保险过度挤出,导致整体风险覆盖率随着引入保险的增多而下降(未投保者)或者先下降后上升(投保者)。我们采用实验经济学研究方法在实验室中检验以上结论。在挤出效应显著存在的情况下,30%~50%的实验参与者选择不购买保险,而他们的风险覆盖率随正式保险的增多而下降。与理论预测不同,投保者的风险覆盖率随着正式保险的增多而增加。然而,挤出效应加上较低的正式保险购买率,仍然可能在现实中导致福利损失。
[Abstract]:This paper studies the relationship between the formal insurance contract and the informal risk-sharing mechanism by using the theoretical model and finds that if there is an informal risk-sharing mechanism, the private transfer under the mechanism is usually overcrowded out by the formal insurance. As a result, overall risk coverage decreases with the introduction of insurance (uninsured) or decreases first and then increases (insured). We use the experimental economics research method to test the above conclusion in the laboratory. In the case of significant extrusion effect, 50% of the participants chose not to buy insurance, while their risk coverage decreased with the increase of formal insurance. Contrary to theoretical predictions, the risk coverage of insurers increases with the increase of formal insurance coverage. However, the crowding-out effect, combined with the low rate of formal insurance purchase, may still lead to welfare losses in reality.
【作者单位】：北京大学光华管理学院;
【基金】：国家自然科学基金(71103003);国家自然科学基金(70903003、71073002) 北京高等学校青年英才计划(YETP0040) 数量经济与数理金融教育部重点实验室(北京大学)对本研究的支持教育部人文社科基金(13YJA790064)对本研究的支持
【分类号】：F224;F842.6

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