Background uncertainty and the demand for insurance against insurable risks

被引：32

作者：

Guiso, L

Jappelli, T

机构：

[1] Univ Sassari, CEPR, I-00187 Rome, Italy

[2] Univ Sassari, Ente Luigi Einaudi Studi Monetari Bancari & Finan, I-00187 Rome, Italy

[3] Univ Salerno, Dipartimento Sci Econ, I-84084 Fisciano, Salerno, Italy

来源：

GENEVA PAPERS ON RISK AND INSURANCE THEORY | 1998年 / 23卷 / 01期

关键词：

insurance; background risk; prudence;

D O I：

10.1023/A:1008621712979

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

Theory suggests that people facing higher uninsurable background risk buy more insurance against other risks that are insurable. This proposition is supported by Italian cross-sectional data. It is shown that the probability of purchasing casualty insurance increases with earnings uncertainty. This finding is consistent with consumer preferences being characterized by decreasing absolute prudence.

引用

页码：7 / 27

页数：21

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