ECONOMIC EXPERIMENTS, HYPOTHETICAL SURVEYS AND MARKET DATA STUDIES OF INSURANCE DEMAND AGAINST LOW‐PROBABILITY/HIGH‐IMPACT RISKS: A SYSTEMATIC REVIEW OF DESIGNS, THEORETICAL INSIGHTS AND DETERMINANTS OF DEMAND
系统综述了80项关于低概率高冲击风险保险需求的实验、调查和市场数据研究，对比不同方法的结果，总结设计、理论和行为因素，为政策制定者提供防灾准备启示。
Abstract This paper provides a systematic review of the literature on 80 experimental, hypothetical survey and market data studies of insurance demand against low‐probability/high‐impact risks. The objective of the review is to extract lessons from these studies and to outline an agenda for future research. We contrast the results of experimental and survey studies to findings from market data. We focus on experimental design methods, insurance characteristics, as well as results about theories, heuristics, behavioural biases and explanatory variables. Lessons for policymakers are drawn which can facilitate disaster preparedness.