FRAMING, PROBABILITY DISTORTIONS, AND INSURANCE DECISIONS

被引：473

作者：

JOHNSON, EJ

HERSHEY, J

MESZAROS, J

KUNREUTHER, H

机构：

[1] UNIV PENN,WHARTON SCH,DEPT OPERAT & INFORMAT MANAGEMENT,PHILADELPHIA,PA 19104

[2] TEMPLE UNIV,SCH BUSINESS & MANAGEMENT,DEPT GEN & STRATEG MANAGEMENT,PHILADELPHIA,PA 19122

来源：

JOURNAL OF RISK AND UNCERTAINTY | 1993年 / 7卷 / 01期

关键词：

INSURANCE DECISIONS; BIASES; PROBABILITY DISTORTIONS; FRAMING;

D O I：

10.1007/BF01065313

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

A series of studies examines whether certain biases in probability assessments and perceptions of loss, previously found in experimental studies, affect consumers' decisions about insurance. Framing manipulations lead the consumers studied here to make hypothetical insurance-purchase choices that violate basic laws of probability and value. Subjects exhibit distortions in their perception of risk and framing effects in evaluating premiums and benefits. Illustrations from insurance markets suggest that the same effects occur when consumers make actual insurance purchases.

引用

页码：35 / 51

页数：17

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