污染风险和人寿保险决策:来自英国的微地理证据
Morakinyo O Adetutu1,2, Kayode A Odusanya1, Simona Rasciute1
1Loughborough Business School, Loughborough University, Leics, UK.
概括
暴露于空气污染影响生命保险决策. 超过某个值的污染水平较高,会增加对人寿保险的需求,而较低的污染水平则会减少,显示出一种复杂的关系.
科学领域:
- 环境科学 环境科学
- 行为经济学是一种行为经济学.
- 公共卫生 公共卫生
背景情况:
- 众所周知,空气污染会影响人类的行为.
- 污染对财务决策,特别是保险的影响,仍未得到充分研究.
研究的目的:
- 调查空气污染风险对人寿保险的因果关系.
- 确定污染暴露与个人对人寿保险的需求之间的关系.
主要方法:
- 利用了一个独特的数据集,将微地理空气质量数据与英国财富和资产调查联系起来.
- 用气象条件的变化来确定因果关系.
- 分析了污染风险与人寿保险决策之间的关系.
主要成果:
- 发现了污染风险与人寿保险采用之间的反向N形关系.
- 发现超过值水平的污染增加与更高的人寿保险需求相关.
- 观察到,低于值水平的污染会降低人寿保险的需求.
结论:
- 证明了当地空气污染风险与人寿保险需求之间的非线性关系.
- 提供了关于环境因素如何影响金融行为的新经验证据.
- 强调在经济和公共卫生方面考虑污染的行为影响的重要性.
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