本文選題：非正式風(fēng)險(xiǎn)分擔(dān) + 正式保險(xiǎn)��； 參考：《金融研究》2014年02期

【摘要】：推廣正式保險(xiǎn)往往被認(rèn)為能夠增加目標(biāo)人群的福利。然而,本文在理論上證明,在異質(zhì)性風(fēng)險(xiǎn)下,正式保險(xiǎn)的引入常常會(huì)使得風(fēng)險(xiǎn)覆蓋度變小而降低福利。這是因?yàn)橄惹按嬖诘姆钦�式風(fēng)險(xiǎn)分擔(dān)機(jī)制可能會(huì)被過(guò)度擠出。為了避免實(shí)際中保險(xiǎn)被引入的內(nèi)生性問(wèn)題,我們?cè)O(shè)計(jì)了一個(gè)實(shí)驗(yàn)來(lái)研究擠出效應(yīng)和福利變化。我們觀察到明顯的擠出效應(yīng),但并不存在如理論所預(yù)測(cè)的過(guò)度擠出和風(fēng)險(xiǎn)覆蓋率下降。然而,我們也發(fā)現(xiàn)擠出效應(yīng)的大小和收入差距相關(guān)。收入差距過(guò)大會(huì)導(dǎo)致擠出過(guò)大而風(fēng)險(xiǎn)覆蓋率不變。這使得引入正式保險(xiǎn)的政策并沒(méi)有產(chǎn)生預(yù)期的效果。這些發(fā)現(xiàn)為政策制定提供了一定的依據(jù)。
[Abstract]:The promotion of formal insurance is often considered to increase the welfare of the target population. However, this paper theoretically proves that under heterogeneous risks, the introduction of formal insurance often reduces risk coverage and benefits. This is because the existing informal risk-sharing mechanism may be overcrowded out. In order to avoid the endogenous problem of insurance in practice, we designed an experiment to study the crowding-out effect and welfare change. We have observed obvious extrusion effect, but there is no over-extrusion and risk coverage decrease as predicted by theory. However, we also found that the size of the crowding-out effect is related to the income gap. The income gap is too large and the risk coverage is unchanged. This led to the introduction of formal insurance policy and did not have the desired effect. These findings provide a basis for policy making.
【作者單位】： 北京大學(xué)光華管理學(xué)院;皮茨堡大學(xué)經(jīng)濟(jì)系;
【基金】：國(guó)家自然科學(xué)基金(No.70903003和No.71073002);國(guó)家自然科學(xué)基金(No.71103003) 教育部人文社科基金(13YJA790064)的資助 北京高等學(xué)校青年英才計(jì)劃(YETP0040)的資助 “數(shù)量經(jīng)濟(jì)與數(shù)理金融教育部重點(diǎn)實(shí)驗(yàn)室(北京大學(xué))”對(duì)本研究的支持
【分類號(hào)】：F842

【參考文獻(xiàn)】

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