Familiy Transitions and Risk Attitude
Familiy Transitions and Risk Attitude
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家庭转变和风险态度
DOI：
10.2139/ssrn.2710688
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发表时间：
2016
期刊：
影响因子：
--
通讯作者：
Petra Steinorth
中科院分区：
文献类型：
--
作者：
M. Browne;V.;Andreas Richter;Petra Steinorth
我们利用德国社会经济小组来分析随着时间的推移，改变生活的事件对个人风险承受能力的影响，这是为了回答有关个人冒险意愿的问题而报告的。该数据集遵循德国人口的代表性样本。我们发现，随着时间的推移，人们对结婚或与伴侣分居、第一次生孩子以及照顾家庭成员的风险态度发生了巨大变化。此外，我们发现这些影响与家庭结构有关。特别是，我们观察到，被称为户主的个人的风险承受能力表现出与生活事件相关的更极端的变化，而生育孩子则缓和了与家庭解体相关的变化。
We use the German Socio Economic Panel to analyze the impact of life changing events on individuals’ risk tolerance levels over time, which is reported in response to a question on individuals’ willingness to take risks. The dataset follows a representative sample of the German population. We find substantial changes in risk attitudes over time with respect to getting married or separating from a partner, giving birth to a child for the first time, and providing care to a family member. Furthermore, we find that these effects are associated with household structure. In particular, we observe that the risk tolerance of individuals that are referred as the head of household demonstrates more extreme changes associated with life events while having children moderates the changes associated with the dissolution of households.