巨灾风险下的投保行为 ——基于实验理论的研究

经济理论与经济管理 ›› 2014, Vol. 34 ›› Issue (4): 88-99.

巨灾风险下的投保行为 ——基于实验理论的研究

刘一点,杜帅南

中央财经大学保险学院，北京100081

收稿日期:2013-08-07 出版日期:2014-04-20 发布日期:2014-05-12
作者简介:刘一点（1992—），男，重庆市人，中央财经大学保险学院学生；杜帅南（1992—），男，浙江绍兴人，中央财经大学保险学院学生。

THE INSURANCE BEHAVIOR UNDER THE CATASTROPHIC RISK ——From the Perspectives of Experimental Theories

LIU Yi-Dian, DU Shuai-Na

School of Insurance, Central University of Finance and Economics, Beijing 100081, China

Received:2013-08-07 Online:2014-04-20 Published:2014-05-12

摘要/Abstract

摘要： 中国尚无巨灾保险市场，研究人们在巨灾风险下的投保行为对巨灾保险市场的建立与发展都具有重要的意义。本文以地震风险为例，运用实验经济学的方法，探讨了个体面对巨灾风险时的投保行为与相关理论问题。研究结果表明，人们的投保决策受其对风险概率认知的影响较小，知道清晰的风险概率甚至会降低投保率；在实验中引入仿真信息，将诱导被试投保；而过往受灾经历影响较大，且这种影响并不一定需要亲身经历才能形成，知晓他人遭受灾难也能唤起人们的投保意识。通过扩展传统的实验理论，实验室实验被应用到了这种因难以控制变量而研究较少的领域，并发现了投保行为的某些特征。

关键词: 巨灾风险 , 投保行为 , 实验理论

Abstract: Catastrophe insurance market has not been established in China yetHence research on insurance behavior under catastrophic risks has important policy implications to the foundation and development of the nations future catastrophe insurance market. This paper takes earthquake risk as an example, experimentally examines individuals insurance behavior under catastrophic risks, and discusses some experimental theories. The result shows that both informing subjects about the risk probability information and introducing induced information in experiment could decrease the insurance rate. Prior risk experience has a significant positive impact on peoples following insurance rate. This kind of experience does not have to be got by personal, but observing others suffering a loss has the same effect. By extending the traditional experimental theories, the laboratory experiment could be applied to such field where has few research as it is difficult to control variables.

Key words: catastrophic risk , insurance behavior , experimental theory

刘一点, 杜帅南. 巨灾风险下的投保行为 ——基于实验理论的研究[J]. 经济理论与经济管理, 2014, 34(4): 88-99.

LIU Yi-Dian, DU Shuai-Na. THE INSURANCE BEHAVIOR UNDER THE CATASTROPHIC RISK ——From the Perspectives of Experimental Theories[J]. Economic Theory and Business Management, 2014, 34(4): 88-99.