Microeconomics · 免费预览
保险与风险价格
依据大数定律，风险共担把个体参差不齐的损失转化为平滑的平均值，保费覆盖预期损失加附加费，而信息模块的失效则内含在定价之中。
1. The pooling miracle
The pooling miracle
2. Building a premium
Building a premium
3. What insurance cannot be
What insurance cannot be
4. The behavioral bridge
The behavioral bridge
5. Pooling
Why can an insurer predict its total payouts accurately while no homeowner can predict her own loss?
6. Premium structure
A policy has a 2 percent chance of a 50 thousand dollar loss per year, and the insurer's load adds 300 dollars. What does the premium approximate?
7. The expected loss
A boat has a 3 percent chance per year of a 40 thousand dollar total loss. Compute the annual expected loss in dollars, and write the number.
8. The pool's arithmetic
Why can an insurer predict its total payouts accurately while no single homeowner can predict hers?
9. What loads the premium
A policy's premium exceeds the expected payout. What explains the markup?
10. A rarer, smaller boat loss
A boat has a 5 percent chance per year of a 20 thousand dollar total loss. Compute the annual expected loss in dollars, and write the number.