Risk-sharing networks and insurance against illness
Risk-sharing networks and insurance against illness
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DOI：
10.1016/j.jdeveco.2005.06.009
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发表时间：
2006-12-01
影响因子：
5
通讯作者：
Dercon, Stefan
中科院分区：
文献类型：
--
作者：
De Weerdt, Joachim;Dercon, Stefan
大多数关于发展中国家数据的风险分担测试都是在村庄一级进行的；一般来说，完全风险分担假设被拒绝。本文使用了坦桑尼亚一个村庄内所有保险网络的详细数据；网络不是聚集的，而是很大程度上重叠的。我们测试这些网络内是否发生完全的风险分担。虽然不能拒绝对食品消费进行村级全额保险，但我们发现证据至少与通过网络对非食品消费进行部分保险是一致的。 (c) 2006 Elsevier B.V. 保留所有权利。
Most risk-sharing tests on developing country data are conducted at the level of the village; generally, the full risk-sharing hypothesis is rejected. This paper uses detailed data on all insurance networks within a village in Tanzania; networks are not clustered but largely overlapping. We test whether full risk-sharing occurs within these networks. While village level full-insurance cannot be rejected for food consumption, we find evidence consistent with at least partial insurance of non-food consumption via networks. (c) 2006 Elsevier B.V. All rights reserved.