个人保险、消费和储蓄决策

Individual decision-making on insurance purchase,consumption and savings

本文通过失业保险,研究了家庭保险、消费和储蓄的决策问题。在连续时间情形下,本文将随机问题转化为确定性问题来考察,运用最优控制理论,考察了家庭的决策过程。分析了购买保险对于个人消费和储蓄决策的影响,以及如何通过保险稳定其财富和提高终生效用,同时探讨了人均消费和人均资本存量的动态变化过程,得到了关于经济增长路径的结论。

This paper mainly studied on individual families＇ decision-making on insurance purchase, consumption and savings using unemployment insurance as an example. In the continuous-time cases, this paper transformed a stochastic question into a determinate question, using the optimal control theory to review the decision-making process of families. It analyzed the impact of insurance purchase by families on their consumption and savings decisions, and how to enhance the stabilization and utility of wealth through buying insurance. Furthermore, it reviewed the dynamic change of consumption per capita and capital stock per capita, and arrived at the conclusion on the economic growth path.