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Risk Perceptions and Attitudes

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Author Info
Miroslav Misina

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Abstract

Changes in risk perception have been used in various contexts to explain shorter-term developments in financial markets, as part of a mechanism that amplifies fluctuations in financial markets, as well as in accounts of "irrational exuberance." This approach holds that changes in risk perception affect actions undertaken in risky situations, and create a discrepancy between the risk attitude implied by those actions and the a priori description of risk attitude as summarized by the Arrow-Pratt coefficients of risk aversion. The author characterizes this discrepancy by introducing the notion of risk perception within the expected utility theory, and proposes the concept of implied risk aversion as a summary measure of risk attitudes implied by agents' actions. Properties of implied risk aversion are related to an individual's future outlook. Key ideas are illustrated using an asset-pricing model.

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File URL: http://www.bankofcanada.ca/en/res/wp/2005/wp05-17.pdf
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Paper provided by Bank of Canada in its series Working Papers with number 05-17.

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Length: 33 pages
Date of creation: 2005
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Handle: RePEc:bca:bocawp:05-17

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Related research
Keywords: Economic models; Financial markets;

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Find related papers by JEL classification:
D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
D84 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Expectations; Speculations
G12 - Financial Economics - - General Financial Markets - - - Asset Pricing

References listed on IDEAS
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  1. Arrow, Kenneth J, 1982. "Risk Perception in Psychology and Economics," Economic Inquiry, Oxford University Press, vol. 20(1), pages 1-9, January.
  2. David Hirshleifer, 2001. "Investor Psychology and Asset Pricing," Journal of Finance, American Finance Association, vol. 56(4), pages 1533-1597, 08. [Downloadable!] (restricted)
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  3. Stephen G. Cecchetti & Pok-sang Lam & Nelson C. Mark, 2000. "Asset Pricing with Distorted Beliefs: Are Equity Returns Too Good to Be True?," American Economic Review, American Economic Association, vol. 90(4), pages 787-805, September. [Downloadable!] (restricted)
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  4. Miroslav Misina, 2003. "Are Distorted Beliefs Too Good to be True?," Working Papers 03-4, Bank of Canada. [Downloadable!]
  5. Angelo Melino & Alan X. Yang, 2003. "State Dependent Preferences Can Explain the Equity Premium Puzzle," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 6(4), pages 806-830, October. [Downloadable!] (restricted)
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  6. Paul Beaudry & Franck Portier, 2004. "Stock Prices, News and Economic Fluctuations," NBER Working Papers 10548, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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  7. Danthine, Jean-Pierre & Donaldson, John B & Giannikos, Chrisos & Guirguis, Hany, 2003. "On the Consequences of State Dependent Preferences for the Pricing of Financial Assets," CEPR Discussion Papers 3697, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
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This page was last updated on 2010-1-5.


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