Preference Heterogeneity and Insurance Markets: Explaining a Puzzle of Insurance
收藏NBER2008-01-01 更新2025-01-04 收录
下载链接：
https://www.nber.org/papers/w13746
下载链接
链接失效反馈官方服务：
资源简介：
Standard theories of insurance, dating from Rothschild and Stiglitz (1976), stress the role of adverse selection in explaining the decision to purchase insurance. In these models, higher risk people buy full or near-full insurance, while lower risk people buy less complete coverage, if they buy at
源自罗思柴尔德与斯蒂格利茨（Rothschild and Stiglitz）1976年研究的经典保险理论，着重强调逆向选择（adverse selection）在阐释保险购买决策中的核心作用。在这类模型框架下，高风险群体通常会购买全额或近乎全额的保险保障，而低风险群体若选择投保，则仅会选购保障程度较低的保险产品，原文此处为"if they buy at "
提供机构：
美国国家经济研究局
创建时间：
2008-01-01
