| 风险态度对医疗保险决策的影响 |
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| 引用本文： | 顾孟迪,张婧屹,张延锋. 风险态度对医疗保险决策的影响[J]. 系统管理学报, 2010, 19(2) |
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| 作者姓名： | 顾孟迪 张婧屹 张延锋 |
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| 作者单位： | 1. 上海交通大学,安泰经济与管理学院,上海,200052
2. 上海财经大学财经研究所,上海,200433 |
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| 基金项目： | "十一五"国家科技支撑计划课题 |
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| 摘 要： | 在医疗保险购买这类个体决策过程中,决策者的风险态度将对决策行为产生影响。建立了医疗保险决策模型,并通过对不同风险规避度的决策者的决策行为分析,揭示了风险态度对医疗保险决策的影响。研究表明,在面临一定的健康风险时,风险规避度越高的决策者,其购买的医疗保险也越多;而需对面临的健康风险进行估计时,对风险规避程度较低的决策者,可能会出现健康风险越高,购买的保险越少的情况。
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| 关 键 词： | 风险规避度 医疗保险 共保 健康风险 |
Effects of Risk Attitudes in Medical Insurance Decision |
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| GU Meng-di,ZHANG Jing-yi,ZHANG Yan-feng. Effects of Risk Attitudes in Medical Insurance Decision[J]. Systems Engineering Theory·Methodology·Applications, 2010, 19(2) |
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| Authors: | GU Meng-di ZHANG Jing-yi ZHANG Yan-feng |
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| Affiliation: | GU Meng-di~1,ZHANG Jing-yi~1,ZHANG Yan-feng~2(1.Antai College of Economics & Management,Shanghai Jiao Tong University,Shanghai 200052,China,2.Institute of Finance & Economics,Shanghai University of Finance , Economics,Shanghai 200433,China) |
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| Abstract: | In decisions for individuals,such as medical insurance purchase,the risk attitudes of decision makers(DMs) generally play roles.In this paper,decision model is established,and the effects of risk attitudes in medical insurance purchase are revealed through DMs with different risk aversions.The results of this paper show that the more risk-averse a DM,the more medical insurance will be purchased.For low risk-averse DMs,the more the exogenous shocks,the less the medical insurance may be purchased. |
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| Keywords: | risk aversion healthcare insurance coinsurance exogenous shocks |
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