Collaborative Research: Choosing Among Risk Alternatives: An Experimental Investigation of the Impact of Insurance Markets on Decision-Making Biases

合作研究：风险替代方案的选择：保险市场对决策偏差影响的实验研究

• 批准号: 0214290
• 负责人: Melayne McInnes
• 金额: $ 8.87万
• 依托单位: University South Carolina Research Foundation
• 依托单位国家: 美国
• 项目类别: Standard Grant
• 财政年份: 2002
• 资助国家: 美国
• 起止时间: 2002-08-15 至 2006-07-31
• 项目状态: 已结题
• 来源: https://www.nsf.gov/awardsearch/showAward?AWD_ID=0214290&HistoricalAwards=false
• 关键词: Collaborative; Research; Choosing; Among; Risk

Many studies of individual decision-making have shown that people rely on heuristics that lead to systematic biases. Many economists belief that market forces decrease the prevalence of such biases. This research consists of a series of experiments that add an insurance market to tests of decision-making under uncertainty. We address the question of whether insurance markets create a byproduct - information - that helps people to better understand risk and therefore make better decisions. For example, if a smoker finds out that the price for purchasing life insurance is higher than for a non-smoker, this might convey more easily understood information about the increased risk of smoking than would statistical tables. Our hope is that this research will help increase the understanding of how individuals process and use information from insurance markets, and therefore how information about risks might be presented in a more easily understood manner.

许多关于个人决策的研究表明，人们依赖于导致系统性偏见的心理学。 许多经济学家认为，市场力量会减少这种偏见的流行。本研究由一系列实验组成，这些实验将保险市场添加到不确定性下的决策测试中。 我们解决的问题是，保险市场是否会产生副产品--信息--来帮助人们更好地了解风险，从而做出更好的决策。 例如，如果吸烟者发现购买人寿保险的价格高于非吸烟者，这可能比统计表更容易理解吸烟风险增加的信息。 我们希望，这项研究将有助于提高人们对个人如何处理和使用来自保险市场的信息的理解，从而提高人们对风险信息如何以更容易理解的方式呈现的理解。