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Barriers to household risk management
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| 자료유형 | 단행본 |
|---|---|
| 서명/저자사항 | Barriers to household risk management/ Shawn Cole [and others]. |
| 개인저자 | Townsend, Robert M, Cole, Shawn, Tobacman, Jeremy, Gine, Xavier, Vickery, James Ian, Topalova, Petia, |
| 발행사항 | Washington: International Monetary Fund, 2012. |
| 형태사항 | 1 online resource (44 pages). |
| 총서사항 | IMF working papers;WP/12/195 |
| 기타형태 저록 | Print version: Townsend, Robert M. Barriers to Household Risk Management: Evidence from India. Washington : International Monetary Fund, ?012 9781475505443 |
| ISBN | 9781475512342 1475512341 1475593686 9781475593686 |
| 내용주기 | Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase. VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix. |
| 요약 | Why do many households remain exposed to large exogenous sources of non-systematic income risk? We use a series of randomized field experiments in rural India to test the importance of price and non-price factors in the adoption of an innovative rainfall insurance product. Demand is significantly price sensitive, but widespread take-up would not be achieved even if the product offered a payout ratio comparable to U.S. insurance contracts. We present evidence suggesting that lack of trust, liquidity constraints and limited salience are significant non-price frictions that constrain demand. We s. |
| 주제명(지명) | India. --fast |
| 일반주제명 | Financial risk --India. Risk management --India. BUSINESS & ECONOMICS --Industrial Management. BUSINESS & ECONOMICS --Management. BUSINESS & ECONOMICS --Management Science. BUSINESS & ECONOMICS --Organizational Behavior. Financial risk. Risk management. |
| 언어 | 영어 |
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