RISK, INSURANCE, AND THE FAMILY

风险、保险和家庭

• 批准号: 6387579
• 负责人: ROBERT M TOWNSEND
• 金额: $ 51.66万
• 依托单位: NATIONAL OPINION RESEARCH CENTER
• 依托单位国家: 美国
• 财政年份: 1991
• 资助国家: 美国
• 起止时间: 1991-09-01 至 2005-06-30
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6387579
• 关键词: behavioral /social science research tag; clinical research; disability insurance; family; family structure /dynamics; health insurance; household; human data; human population study; income; low socioeconomic status; occupations; organized financing; social model; social support network; socioeconomics; southeast Asia

DESCRIPTION (Adapted from the Applicant's Abstract): The purpose of the proposed research is to investigate the role of the family, inclusive of the extended family and networks of friends and relatives, in providing insurance and credit to its members, to understand and quantify that role in the larger village, regional, and national context, and to understand that role relative to that or more formal institutions, e.g., village level funds and national level banks. The specific investigation in Thailand takes advantage of recent and ongoing advances in economic theory and of substantial variation over region, the semi arid northeast versus the highly developed regions near Bangkok, and substantial variation over time, e.g., the high growth period and the recession and recovery of the Asian crisis. The idea is to study the family or extended networks as a collection of individuals gathered together into a "collective" organization which provides insurance and credit to its members, to understand the nature and boundaries of such collective organizations, and to understand the interaction of such collective organizations with each other directly, with other more formal institutions, and with the larger market. The family, community level institutions, formal national level institutions, and markets will be understood in the context of models with private information, limited communication, limited enforcement capabilities, transactions costs, and, and exogenously incomplete markets. The investigators also seek to measure using the standards suggested by these models the welfare impact of these informal and formal organizations, and their evolution in the context of the larger national economy. In this project, the investigators seek to understand the test various hypotheses, e.g., with the rise of formal substitutes over the long term, the informal sector may be less essential, especially in developed regions, or, alternatively, the informal sector may continue to play a crucial role as a more flexible and find-tuned complement to formal sector insurance and credit, especially in times of severe stress. To support our theoretical work, the investigators intend to field (only) two more rounds of the annual cross-sectional survey and to continue (on a reduced scale) the ongoing monthly survey, in order to ensure sufficient data for statistical significance of the various tests and to see the Thai economy on into the period of recovery and resumed (high) growth. The project data and other data would be organized in an innovative web-based archive for public release.

描述（根据申请人的摘要改编）： 拟议的研究是调查家庭的作用，包括 在提供保险的过程中，大家庭和朋友和亲戚的网络 并归功于其成员，了解和量化在较大的人中的角色 村庄，地区和民族背景，并了解该角色相对 为此，或更正式的机构，例如乡村级别的资金和国家 级别的银行。泰国的具体调查利用了最近的优势 以及经济理论的持续进展以及对 地区，半干旱东北与高度发达的地区 曼谷，以及随着时间的推移的实质差异，例如高增长时期和 亚洲危机的经济衰退和康复。 这个想法是研究家庭或扩展​​网络作为集合 个人聚集在一个“集体”组织中，提供 保险和对其成员的信贷，以了解 这样的集体组织，并了解这种互动 集体组织直接与其他更正式的组织 机构，以及更大的市场。家庭，社区层面 机构，正式国家一级机构和市场将是 在具有私人信息的模型的背景下理解，有限 沟通，有限的执法能力，交易成本以及 外源不完整的市场。调查人员还试图使用 这些模型建议的标准这些非正式的福利影响 和正式组织及其在更大的背景下的发展 国民经济。 在这个项目中，调查人员试图了解各种测试 假设，例如，从长远来看，正式替代品的兴起 非正式部门可能不那么重要，尤其是在发达地区，或者， 另外，非正式部门可能会继续发挥至关重要的作用 对正式部门保险和信贷的更灵活和发现的补充， 尤其是在严重的压力时期。为了支持我们的理论工作 调查人员打算（仅）每年两轮 横断面调查，并继续（减少规模）正在进行的每月 调查，以确保足够的数据来获得统计意义的 各种测试，并看到泰国经济进入恢复时期和 恢复（高）生长。项目数据和其他数据将在 创新的基于Web的档案供公众发布。