风险感知与保险需求波动——基于最优保险模型的理论证明

发布时间：2018-06-05 01:28

本文选题：风险感知 + 保险需求　；参考：《保险研究》2013年05期

【摘要】：肇始于心理学领域的风险感知研究逐渐在经济学领域帮助人们窥探决策黑箱的运作机理。恐惧因子和位置因子作为风险感知的两个维度,决定了人们对风险的感知水平。通过风险感知的维度、情绪对风险感知的影响以及风险感知对风险决策影响的文献梳理后,构建了巨灾冲击后风险感知影响保险需求的路径。在期望效用理论下通过构建效用最大化模型验证了收入财富等变量影响保险需求,当个体的风险感知发生变化将会导致保险需求的变化,即风险感知水平上升将导致对某一风险的主观概率提升,进而引起了最优保险需求的增加。在非期望效用理论框架下,通过前景理论同样证明了当个体受到强烈的情绪和感知冲击后,主观概率的增加将导致保险需求的增加。
[Abstract]:The study of risk perception, which began in the field of psychology, has gradually helped people in the field of economics to probe into the operating mechanism of the black box of decision making. As two dimensions of risk perception, fear factor and location factor determine the level of risk perception. Through the dimension of risk perception, the influence of emotion on risk perception and the influence of risk perception on risk decision-making, the paper constructs the path of risk perception influencing insurance demand after catastrophe impact. Based on the theory of expected utility, it is verified that the variables such as income and wealth affect insurance demand by constructing utility maximization model. When individual risk perception changes, it will lead to the change of insurance demand. That is, the rise of risk perception level will lead to the increase of subjective probability of a certain risk, which leads to the increase of the optimal insurance demand. Under the framework of non-expected utility theory, it is also proved by foreground theory that the increase of subjective probability will lead to an increase in insurance demand when an individual is subjected to a strong emotional and perceptual shock.
【作者单位】：西南财经大学保险学院;
【基金】：中央高校基本科研业务费专项资金资助,项目编号:JBK1207086
【分类号】：F840;F224

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