, and how these network structures affect risk attitudes in different contexts. Using an online survey, I find that students …I investigate how students from different cultures form risk-sharing networks when they come to study at university … from collectivist cultures such as China form larger financial risk-sharing networks at university than students from …

This paper considers the formation of risk-sharing networks. Following empirical findings, we build a model where risk … (indirectly) connect all individuals and involve full insurance. However, equilibrium networks connect fewer individuals. There is … network. The network formation process can lead identical individuals to be in different positions and thus have different …

insurance may have unintended side effects. In particular, it might affect traditional risk-sharing arrangements where income … insurance products in a sustainable way, sound understanding of their interplay with risk-sharing networks is urgently needed … thesis, an agent-based model is developed to investigate the effects of formal insurance and informal risk-sharing on the …