Social Networks and the Decision to Insure
Social Networks and the Decision to Insure
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DOI：
10.1257/app.20130442
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发表时间：
2015-04-01
影响因子：
6.2
通讯作者：
Sadoulet, Elisabeth
中科院分区：
文献类型：
--
作者：
Cai, Jing;De Janvry, Alain;Sadoulet, Elisabeth
社交网络对天气保险采用的影响及其运作机制。为了量化网络效应，实验提供了密集的信息会话的产品随机子集的农民。对于未经治疗的农民来说，多一个接受治疗的朋友的效果相当于减少13%的保险费。通过改变同行的决策和随机默认选项的信息，我们表明，网络效应是由保险知识的扩散，而不是购买决策。
the influence of social networks on weather insurance adoption and the mechanisms through which they operate. To quantify network effects, the experiment provides intensive information sessions about the product to a random subset of farmers. For untreated farmers, the effect of having an additional treated friend on take-up is equivalent to granting a 13 percent reduction in the insurance premium. By varying the information available about peers' decisions and randomizing default options, we show that the network effect is driven by the diffusion of insurance knowledge rather than purchase decisions.