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    Please use this identifier to cite or link to this item: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/74097

    Title: 長壽風險對不同年齡層家計單位消費及投資決策之動態分析
    Other Titles: The dynamic analysis of longevity risk on investment and consumption decisions of different age households
    Authors: 李奕慧;Lee, Yi-Hui
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 實驗經濟學;長壽風險;風險態度;消費決策;投資決策;動態分析;Experimental economics;Longevity Risk;risk attitude;Consumption decisions;Investment Decisions;Dynamic analysis
    Date: 2011
    Issue Date: 2011-12-28 18:03:20 (UTC+8)
    Abstract: 隨著人類壽命不斷延長,在財富有限下,家計單位將會透過調整其消費及投資決策以因應,而不同年齡層家計單位之決策行為亦有所差異。因此本研究藉由實驗經濟學之方式,以觀察長壽風險因素對不同年齡層家計單位消費和投資決策之關係。
    The purpose of this paper is using a questionnaire and experimental methodology to investigate the difference between varied age households who will change their consumption and investment plans when facing their longevity risk. In order to understand the difference of longevity risk awareness in different age households, the participants in this experiment who must be the head of a household, married, and divided thirty, forty and fifty years old into three different age groups. Furthermore, this paper also use the dynamic figure to analyze the change of consumption and investment decisions.
    The main findings of this paper are described as follow. (1) Based on “Habit Formation”, households prefer to adjust their investment decisions rather than their consumption decisions in order to deal with longevity risk. Moreover, female households,with highly education level, more children, lower life expectancy, more bequest motivation, lower income, higher health-care expenditure and greater risk aversion tend to reduce their proportion of risky assets with a longevity risk. (2)With the difference of longevity risk awareness between different age households, they have the distinct behavior response to the longevity risk.(3) As for the changing of consumption and investment decisions, thirty year-old households tend to reduce their proportion of risky assets to deal with the longevity risk in whole life. Forty year-old and fifty year-old households tend to reduce their proportion of risk-free assets to deal with the longevity risk before retirement. Further, they tend to increase their risky asset holdings after retirement.
    Appears in Collections:[Graduate Institute & Department of Insurance Insurance] Thesis

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