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  • 标题:Goals and plans in decision making
  • 本地全文:下载
  • 作者:Krantz, David H. ; Kunreuther, Howard C.
  • 期刊名称:Judgment and Decision Making
  • 印刷版ISSN:1930-2975
  • 出版年度:2007
  • 卷号:2
  • 页码:137-168
  • 出版社:Society for Judgment and Decision Making
  • 摘要:We propose a constructed-choice model for general decision making. The model departs from utility theory and prospect theory in its treatment of multiple goals and it suggests several different ways in which context can affect choice. It is particularly instructive to apply this model to protective decisions, which are often puzzling. Among other anomalies, people insure against non-catastrophic events, underinsure against catastrophic risks, and allow extraneous factors to influence insurance purchases and other protective decisions. Neither expected-utility theory nor prospect theory can explain these anomalies satisfactorily. To apply this model to the above anomalies, we consider many different insurance-related goals, organized in a taxonomy, and we consider the effects of context on goals, resources, plans and decision rules. The paper concludes by suggesting some prescriptions for improving individual decision making with respect to protective measures.
  • 关键词:goals; plans; decision making; catastrophic risk; insurance; utility theory; prospect theory; protective behavior
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