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La Theorie Economique de L'auto-Protection

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  • Laffont, J.J.

Abstract

[fre] L'objet de cette note est de prendre en compte le phénomène d'autoprotection dans une théorie des assurances d'équilibre général. Après avoir mis en évidence la possibilité d'inexistence de l'équilibre concurrentiel et son inefficacité très générale, lorsqu'il existe, nous étudions des politiques économiques susceptibles de rétablir l'optimalité parétienne : prime variable liée à l'activité d'autoprotection, prime variable liée à la quantité d'assurance sélectionnée, prime définie sur la base des déclarations de l'agent et contrôlée par une cour de justice, etc. [eng] The economic theory of self-protection. . The purpose of this paper is to take info account self'protection in a general equilibrium theory of Insurance. First, we show why the competitive equilibrium may fait to exist and why it is in general Pareto inefficient, when it cxists. Then, we study a number of economic policies designed to restore Pareto efficiency : Insurance premium variable with the level of self~protection, with the quantity of Insurance, Insurance premium defined on the basis of the agent's declarations, etc.

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Bibliographic Info

Paper provided by Universite de Montreal, Departement de sciences economiques in its series Cahiers de recherche with number 7503.

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Length: 43P. pages
Date of creation: 1975
Date of revision:
Handle: RePEc:mtl:montde:7503

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Keywords: Equilibre Economique ; Assurance ; Microeconomie ; Risqu E;

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