Does Risk Perception Affect Insurance Decision? Theoretical and Methodological Perspectives

TIAN Ling YAO Peng*

Siegrist and Gutscher,2006;Lindell and Hwang,2008; Thieken et al.2007

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(Dash et al. 2007; Terpstra et al. 2008; Perry et al. 2008)

(Lindell et al. 2000; Mileti et al. 1997)

Kunreuther et al.2009

Botzen et al. (2012)

expectancy-valence

TRAbehavioral intentionsattitudes toward behaviorssubjective normsTPBTRAperceived behavioral controlRogers1983Protection Motivation Theory (PMT)EVEVPMT

PMTPMTPADMLindell& Perry, 1992,2004,2012)protective action decision model (PADM)

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2

Fishbein et al. 1975(French and Raven, 1959)

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Terpstra et al.20121H12aH2a2bH2b2cH2c3H34H45aH5a5bH5b6H6

15 A.____B.A. B. C. D. E. F.A. B.A. B. C.

15 15A. B.A.____ B.15 151515 15 15 15 15 15 15A.B.C.D.E.15 /15 15 15 15

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1PADM

2PADM