本文選題：非正式風險分擔 + 正式保險��； 參考：《金融研究》2014年02期

【摘要】：推廣正式保險往往被認為能夠增加目標人群的福利。然而,本文在理論上證明,在異質性風險下,正式保險的引入常常會使得風險覆蓋度變小而降低福利。這是因為先前存在的非正式風險分擔機制可能會被過度擠出。為了避免實際中保險被引入的內生性問題,我們設計了一個實驗來研究擠出效應和福利變化。我們觀察到明顯的擠出效應,但并不存在如理論所預測的過度擠出和風險覆蓋率下降。然而,我們也發(fā)現擠出效應的大小和收入差距相關。收入差距過大會導致擠出過大而風險覆蓋率不變。這使得引入正式保險的政策并沒有產生預期的效果。這些發(fā)現為政策制定提供了一定的依據。
[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】： 北京大學光華管理學院;皮茨堡大學經濟系;
【基金】：國家自然科學基金(No.70903003和No.71073002);國家自然科學基金(No.71103003) 教育部人文社科基金(13YJA790064)的資助 北京高等學校青年英才計劃(YETP0040)的資助 “數量經濟與數理金融教育部重點實驗室(北京大學)”對本研究的支持
【分類號】：F842

【參考文獻】

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本文編號：1930704