不平等和风险管理:来自加纳实验室实验的证据

ERN: Equity Pub Date : 2021-07-14 DOI:10.2139/ssrn.3886835

Richard A. Gallenstein

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摘要

近几十年来，世界各地的财富不平等一直在加剧。在本文中，我探讨了不平等对发展中国家风险管理决策的影响。我使用了一个实地实验室实验，引入了不平等的外生变化来研究不平等对风险分担和保险承担决策的影响。我发现不平等确实影响风险分担协议的形成和保险需求。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Inequality and Risk Management: Evidence from a Lab Experiment in Ghana

Wealth inequality has been growing throughout the world in recent decades. In this article I explore the impact of inequality on risk-management decisions in a developing country context. I use a lab-in-the-field experiment that introduces exogenous variation in inequality to investigate the impact of inequality on risk-sharing and insurance uptake decisions. I find that inequality does influence formation of risk-sharing agreements and demand for insurance.

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ERN: Equity

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