Updated on 2026/03/21

写真a

 
FUJII YOICHRO
 
Organization
Undergraduate School School of Commerce Professor
Title
Professor
External link

Degree

  • 博士(社会経済) ( 筑波大学 )

Research Interests

  • 実験経済学

  • 保険経済学

  • 意思決定論

Research Areas

  • Humanities & social sciences / Money and finance

  • Humanities & social sciences / Economic statistics

  • Humanities & social sciences / Theoretical economics

  • Humanities & social sciences / Educational technology

  • Humanities & social sciences / Economic policy

Education

  • University of Tsukuba   Graduate School of Systems and Information Engineering

    2002.4 - 2010.3

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  • University of Tsukuba

    2000.4 - 2002.3

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  • Tokyo University of Science

    1996.4 - 2000.3

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Research History

  • Meiji University   School of Commerce   Professor

    2024.4

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    Country/Region:Japan

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  • Erasmus University Rotterdam   Erasmus School of Health Policy and Management

    2024.4 - 2026.3

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    Country/Region:Netherlands

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  • Meiji University   Faculty of Commerce   Associate Professor

    2019.4 - 2024.3

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  • Erasmus University

    2016.4 - 2016.9

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  • Osaka Sangyo University   Associate Professor

    2014.4 - 2019.3

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  • Osaka Sangyo University   Lecturer

    2012.4 - 2014.3

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  • University of Tsukuba

    2011.4 - 2012.3

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  • 筑波大学大学院   システム情報工学研究科   研究員・ポスドク   博士特別研究員

    2010.4 - 2011.3

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Professional Memberships

Papers

  • Cream Skimming and Technological Innovations in Automobile Insurance Market Reviewed

    Yoichiro Fujii, Shuhei Nishizawa

    Asia-Pacific Journal of Risk and Insurance   19 ( 1 )   53 - 62   2024.11

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    Language:English   Publishing type:Research paper (scientific journal)   Publisher:Walter de Gruyter GmbH  

    Abstract

    This study examines the effect of telematics devices on the automobile insurance market. Automobile insurance using these devices is marketed as pay-how-you-drive (PHYD) automobile insurance. Insurers can directly monitor the insured’s vehicle for risky driving behaviors such as speeding. Some of insureds receive discounts on their premiums for driving more cautiously. On the other hand, accumulating the insured’s driving skills, insurers may be able to only sign up insureds with low accident rates, widely known as cream skimming. By applying Hodgson (2014. “Adverse Selection in Health Insurance Markets: A Classroom Experiment.” The Journal of Economic Education 45 (2): 90–100), we tested whether PHYD programs makes it easier for insurers to contract with low-risk drivers. Repeated cream skimming suggests that only high-risk drivers remain in the market and a residual market cannot be established, which could lead to adverse selection and market failure in the absence of any regulations. However, the experiment revealed that low-risk but highly risk-averse subjects tend to dislike the fluctuation in premiums by enrolling in PHYD programs. The results could be effective in future regulatory construction.

    DOI: 10.1515/apjri-2024-0023

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    Other Link: https://www.degruyterbrill.com/document/doi/10.1515/apjri-2024-0023/pdf

  • Multiattribute Regret: Theory and Experimental Study Reviewed International journal

    Yoichiro Fujii, Hajime Murakami, Yutaka Nakamura, and Kazuhisa Takemura

    Theory and Decision   Volume 95   623–662 - 662   2023.4

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    Authorship:Lead author, Corresponding author   Language:English   Publishing type:Research paper (scientific journal)   Publisher:Springer  

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  • Effect of regret sensitivity on self-insurance and self-protection Reviewed International journal

    Yoichiro Fujii Yusuke Osaki

    Applied Economics   Volume 55   5202 - 5212   2022.10

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    Language:English   Publishing type:Research paper (scientific journal)   Publisher:Taylor & Francis  

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  • Do Individuals have Consistent Risk Preferences across Domains?: Evidence from the Japanese Insurance Market Reviewed International journal

    Yoichiro Fujii Noriko Inakura

    Journal of Applied Economics   25 ( 1 )   604 - 620   2022.4

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    Authorship:Lead author   Language:English   Publishing type:Research paper (scientific journal)   Publisher:Taylor & Francis  

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  • Is Insurance Normal or Inferior? -A Regret Theoretical Approach- Reviewed International journal

    Yoichiro Fujii Mahito Okura Yusuke Osaki

    The North American Journal of Economics and Finance   2021.10

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    Language:English   Publishing type:Research paper (scientific journal)   Publisher:ELSEVIER  

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  • Regret-sensitive equity premium Reviewed International journal

    International Review of Economics & Finance   Volume 76   302 - 307   2021.7

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    Authorship:Lead author   Language:English   Publishing type:Research paper (scientific journal)   Publisher:ELSEVIER  

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  • 文脈が保険需要に与える影響~実験経済学の手法を用いた考察~

    保険学雑誌   ( 650 )   23 - 40   2020.9

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    Language:Japanese   Publishing type:Research paper (scientific journal)  

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  • How Do Optimistic Individuals Affect Insurance Advertisements? Reviewed International journal

    Asia-Pacific Journal of Risk and Insurance   2020.8

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    Language:English   Publishing type:Research paper (scientific journal)  

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  • The Willingness to Pay for Health Improvements under Comorbidity Ambiguity Reviewed

    Fujii Youichirou

    Journal of Health Economics   66   91 - 100   2019

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    Language:English   Publishing type:Research paper (scientific journal)  

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  • Factors Widening the Gap between Hypothetical and Actual Choices -Empirical Evidence from the Japanese Medical Insurance Market- Reviewed

    Fujii Youichirou

    Asia-Pacific Journal of Risk and Insurance   2019

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    Language:English   Publishing type:Research paper (scientific journal)  

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  • Regret-sensitive Treatment Decisions Reviewed

    Yoichiro Fujii, Yusuke Osaki

    Health Economics Review   8   1 - 14   2018.8

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    Language:English   Publishing type:Research paper (scientific journal)  

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  • An Economic Premium Principle under the Dual Theory of the Smooth Ambiguity Model Reviewed

    Yoichiro Fujii, Hideki Iwaki, Yusuke Osaki

    Astin Bulletin   47 ( 3 )   787 - 801   2017.5

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    Language:English   Publishing type:Research paper (scientific journal)   Publisher:Cambridge University Press  

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  • 医療費の自己負担率が予防行動に与える影響―代表的個人モデルによる定量化― Reviewed

    Yoichiro Fujii, Noriko Inakura

    医療経済研究   28 ( 28 )   103 - 115   2017.2

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    Language:Japanese   Publishing type:Research paper (scientific journal)   Publisher:医療経済研究機構  

    CiNii Research

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  • Regret, rejoicing and mixed insurance Reviewed

    Yoichiro Fujii, Mahito Okura, Yusuke Osaki

    Economic Modelling   58   126 - 132   2016.5

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    Language:English   Publishing type:Research paper (scientific journal)   Publisher:Elsevier  

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  • Equity Premium under Multiple Background Risks Reviewed

    Yoichiro Fujii, Yutaka Nakamura

    Economics Bulletin   30 ( 2 )   933 - 939   2010.4

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    Language:English   Publishing type:Research paper (scientific journal)  

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Presentations

  • Ambiguous Prizes in Contests International conference

    Yusuke Osaki

    European Group of Risk & Insurance Economists 48th Seminar  2021.9  European Group of Risk & Insurance Economists

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    Event date: 2021.9

    Language:Japanese   Presentation type:Oral presentation (general)  

    Country/Region:Germany  

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  • Multiattribute Regret: Theory and Experimental Study International conference

    Yoichiro Fujii Hajime Murakami Yutaka Nakamura Kazuhisa Takemura

    SPUDM 2021  2021.8 

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    Event date: 2021.8

    Language:Japanese   Presentation type:Oral presentation (general)  

    Venue:イギリス  

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  • Ambiguous Prizes in Contests International conference

    Mahito Okura Yoichiro Fujii Yusuke Osaki

    APRIA 2021 25th Annual Conference  2021.7 

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    Event date: 2021.7

    Language:Japanese   Presentation type:Oral presentation (general)  

    Venue:エルサレム   Country/Region:Israel  

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  • 多属性後悔の理論および実験による考察

    藤井陽一朗, 竹村和久, 中村豊, 村上始

    日本理論心理学会第66回大会  2020.12 

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    Event date: 2020.12

    Language:Japanese   Presentation type:Oral presentation (general)  

    Venue:帝京大学  

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  • Standard Sequences for Utility and Regret in Health and Wealth Losses

    Attema, A., Fujii, Y., Murakami, H. and Van Ourti, T.

    10th Workshop in Behavioral and Experimental Health Economics  2025.12 

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    Language:English  

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  • Multi-Period Regret Theory and Threshold Analysis

    Fujii, Y., Murakami, H., Nakamura, Y., Takemura, K.

    SUBJECTIVE PROBABILITY, UTILITY & DECISION MAKING 2025  2025.9 

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    Language:English  

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  • Why Do Non-Life Insurance Companies Tolerate Fraudulent Claims from Insurance Agents in Japan?

    Fujii, Y., Okura, M.

    2025 World Risk and Insurance Economics Congress  2025.8 

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    Language:English  

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  • How COVID-19 affects Insurance Demand?: Multiattribute Utility and Sign of Cross-derivative

    Tinbergen Institute, Health Economics Seminars  2023.9  Tinbergen Institute

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    Language:English   Presentation type:Oral presentation (general)  

    Venue:Rotterdam   Country/Region:Netherlands  

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  • Market Participation, Ambiguity Aversion, and Information Structures International conference

    2023 ARIA Annual Conference  2023.8  American Risk and Insurance Association

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    Language:English   Presentation type:Oral presentation (general)  

    Venue:Washington D.C.  

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  • Market Participation, Ambiguity Aversion, and Information Structures International conference

    2023 ARIA Annual Conference  2023.8  American Risk and Insurance Association

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    Language:English   Presentation type:Oral presentation (general)  

    Venue:Washington D.C.  

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  • An Effectiveness of State-dependent Interest Rate for Savings and Health Prevention Effort against Longevity Risk International conference

    27th APRIA 2023 Annual Conference  2023.8  Asia Pacific Risk and Insurance Association

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    Language:Japanese   Presentation type:Oral presentation (general)  

    Venue:Osaka   Country/Region:Japan  

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  • How COVID-19 affects Insurance Demand?: Multiattribute Utility and Sign of Cross-derivative International conference

    27th APRIA 2023 Annual Conference  2023.8  Asia Pacific Risk and Insurance Association

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    Language:English   Presentation type:Oral presentation (general)  

    Venue:Osaka   Country/Region:Japan  

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  • Challenges in Aging Society with Low Birthrates: Long-Term Care, Pension, and Financial Literacy International conference

    27th APRIA 2023 Annual Conference  2023.7  Asia Pacific Risk and Insurance Association

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    Language:English   Presentation type:Symposium, workshop panel (nominated)  

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  • Is the Veil of Ignorance only a Concept about Risk in Loss Contexts?

    第16回「実証的なモラル・サイエンス」研究集会  2023.3 

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    Language:Japanese   Presentation type:Oral presentation (general)  

    Country/Region:Japan  

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  • Do Males Recognize the Veil of Ignorance only when Related to Risk?: Experimental Observations in the Context of Loss

    日本経済学会2022年度秋季大会  2022.10 

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    Language:Japanese   Presentation type:Oral presentation (general)  

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  • Cream Skimming and Technological Innovations in Insurance Market International conference

    26th APRIA Annual Conference  2022.7  Asia Pacific Risk and Insurance Association

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    Language:Japanese   Presentation type:Oral presentation (general)  

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  • Is the Veil of Ignorance only a Concept about Risk in Loss Contexts? International conference

    26th APRIA Annual Conference  2022.7  Asia Pacific Risk and Insurance Association

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    Language:Japanese   Presentation type:Oral presentation (general)  

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  • Multiattribute Regret: Theory and Experimental Study International conference

    Foundation of Utility and Risk 2022  2022.7 

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    Language:Japanese   Presentation type:Oral presentation (general)  

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  • 保険学におけるオンライン実験の実施可能性 ~文脈によるリスク態度の変化を用いた考察~

    慶應義塾保険学会 令和3年度第1回研究会  2021.9  慶應義塾保険学会

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    Language:Japanese   Presentation type:Oral presentation (general)  

    Country/Region:Japan  

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  • An Economic Analysis of Scholarship Programs in Higher Education

    日本応用経済学会 2021年度春期大会  2021.6  日本応用経済学会

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    Language:Japanese   Presentation type:Oral presentation (general)  

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  • Insurance demand in the presence of state dependent background uncertainty International conference

    尾崎祐介(早稲田大学)

    World Risk and Insurance Economics Congress 2020  2020.8 

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    Language:English   Presentation type:Oral presentation (general)  

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  • Optimal demand for index insurance under basis ambiguity International conference

    尾崎祐介(早稲田大学)

    World Risk and Insurance Economics Congress  2020.8 

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    Language:English   Presentation type:Oral presentation (general)  

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  • The Demand for Index Insurance under Regret Sensitivity International conference

    尾崎祐介(早稲田大学), 大倉真人(同志社女子大学)

    World Risk and Insurance Economics Congress  2020.8 

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    Language:English   Presentation type:Oral presentation (general)  

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  • 文脈が保険の需要行動に与える影響~実験経済学の手法を用いた考察~

    日本保険学会令和元年度大会  2019.10  日本保険学会

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    Language:Japanese   Presentation type:Poster presentation  

    Venue:関西大学  

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  • Insurance Demand Anomalies: An Interpretation from Rank Dependent Utility Theory International conference

    Fujii, Y., Ogaku, M

    European Group Risk and Insurance Economists 2019 Seminar  2019.9 

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    Language:English  

    Venue:St Jones University Rome、Italy  

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  • How Do Optimistic Individuals Affect Advertisement of Insurance Firm? International conference

    23rd Asia-Pacific Risk and Insurance Association 2019 Annual Conference  2019.7  Asia-Pacific Risk and Insurance Association

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    Language:English  

    Venue:Korea  

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  • Insurance Demand Anomalies: An Interpretation from Rank Dependent Utility Theory International conference

    23rd International Congress on Insurance  2019.7  Mathematics and Economics Conference

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    Language:English  

    Venue:Munich  

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  • EGRIE(European Group of Risk and Insurance Economists)の研究動向

    日本保険学会 平成30年度全国大会  2018.10  日本保険学会

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    Language:Japanese  

    Venue:日本大学  

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  • 長生きリスクに対応する保険教育と疾病予防行動のかかわりについての一考察

    藤井陽一朗, 稲垣友香

    日本保険学会関西部会  2018.10  日本保険学会関西部会

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    Language:Japanese  

    Venue:大阪梅田ティーオージー  

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  • Factors Widening the Gap between Hypothetical and Actual Choices —Empirical Evidence from Japan’s Life Insurance Market— International conference

    Yoichiro Fujii, Noriko Inakura

    The 22nd Asia-Pacific Risk and Insurance Association 2018 Annual Conference、Singapore  2018.7  Asia-Pacific Risk and Insurance Association

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    Language:Japanese  

    Venue:Singapore  

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  • 多属性効用理論とその応用

    日本理論心理学会  2018.7  早稲田大学意思決定研究所

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    Language:Japanese  

    Venue:早稲田大学  

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  • Are Individuals Consistent in their Risk Preferences across Multiple Domains?: Evidence from the Japanese Insurance Market

    日本経済学会春季大会  2018.6  日本経済学会

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    Language:English  

    Venue:兵庫県立大学  

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  • 若年期の予防行動誘発に関する自家保険及び自己防衛の考察:生活保護の観点を含めた分析

    長崎大学経済学部ファカルティセミナー  2018.2  長崎大学経済学部

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    Language:Japanese  

    Venue:長崎大学  

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  • The Willingness to Pay for Health Improvements under Comorbidity Ambiguity International conference

    Fujii Yoichiro, Yusuke Osaki

    2018 

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    Language:English  

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  • Financial Literacy and Risk Preference: Empirical Evidence from the Japanese Life Insurance Market International conference

    Fujii Yoichiro, Noriko Inakura

    22nd Asia-Pacific Risk and Insurance Association 2018 Annual Conference  2018 

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    Language:English  

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  • Intertemporal Prevention and Saving: Promotion for Self-reliance International conference

    Fujii Yoichiro, Mahito Okura, Yusuke Osaki

    22nd Asia-Pacific Risk and Insurance Association 2018 Annual Conference  2018 

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    Language:English  

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  • The Willingness to Pay for Health Improvements under Comorbidity Ambiguity

    金融研究会  2017.12  一橋大学金融研究会

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    Language:English  

    Venue:一橋大学  

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  • The Willingness to Pay for Health Improvements under Comorbidity Ambiguity International conference

    European Group of Risk & Insurance Economists  2017.9 

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    Language:English   Presentation type:Oral presentation (general)  

    Venue:London, UK  

    Accumulated medical information is necessary to determine comorbidity risk between primary and its additional diseases. However, medical decisions often have to be made before obtaining conclusive evidences because of lack of information. This paper describes such situation by introducing ambiguity into comorbidity uncertainty. This paper examines conditions that the willingness to pay for health improvements increases by the introduction of comorbidity ambiguity compared with the corresponding risk case.

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  • Estimating Risk Preferences from Individuals’ Choices of Pension, Long-term Care, and Health Insurance in Japan International conference

    The 21st Annual Conference Asia-Pacific Risk and Insurance Economics Association  2017.7  Asia-Pacific Risk and Insurance Economics Association

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    Language:English  

    Venue:oland、University of Poznan  

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  • Are Individuals Consistent in their Risk Preferences across Multiple Domains?: Evidence from the Japanese Insurance Market International conference

    Fujii Yoichiro, Noriko Inakura

    21st Asia-Pacific Risk an Insurance Association 2017 Annual Conference  2017 

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    Language:English  

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  • Mixed Insurance as an optimal policy under Rejoicing Sensitivity International conference

    Fujii Yoichiro, Mahito Okura, Yusuke Osaki

    2017 

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    Language:English  

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  • Regret sensitive treatment decisions International conference

    Yoichiro Fujii

    Foundations of Utility and Risk 2016  2016.6 

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    Language:English   Presentation type:Poster presentation  

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  • Regret Sensitive Treatment Decisions International conference

    Foundation of Utility and Risk Conference 2016 Warwick  2016.6  Foundation of Utility and Risk Conference

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    Language:English   Presentation type:Poster presentation  

    Venue:UK、Warwick University  

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  • Is Insurance a Normal Good? A Regret Theoretical Approach International conference

    Fujii Yoichiro, Mahito Okura, Yusuke Osaki

    The 20th Annual Conference of the Asia-Pacific Risk and Insurance Association  2016 

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    Language:English  

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  • Regret Sensitive Equity Premium

    藤井陽一朗, 中村豊

    日本経済学会秋季大会  2014.10  日本経済学会

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    Language:Japanese  

    Venue:西南学院大学  

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  • An Economic Premium Principle under the Smooth Ambiguity Aversion International conference

    Y. Fujii, H. Iwaki, Y. Osaki

    The 41st European Group of Risk & Insurance Economists Seminar  2014.9  European Group of Risk & Insurance Economists Seminar

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    Language:English  

    Venue:Switzerland、University of St. Galen  

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Awards

  • 2025年度 公益財団法人生命保険文化センター 研究助成の成果論文 優秀論文賞

    2025.12   公益財団法人生命保険文化センター   「新型コロナウイルス感染症のパンデミックが生命保険市場に与えた影響の一考察」(「生命保険論集」229 号,2024 年12 月号)

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Research Projects

  • 多属性後悔理論の構築と実験による妥当性の研究

    2017.4 - 2020.3

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    Grant type:Competitive

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  • 実験経済学による教育手法の開発:経済学部生を対象としたアプローチ

    2014.4 - 2018.3

    大谷 剛

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    Grant type:Competitive

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Teaching Experience

  • ミクロ経済学

    2021.4 - 2022.3 Institution:東京理科大学

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  • 意思決定論

    2020.4 Institution:筑波大学

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  • 外書購読

    2019.4 Institution:明治大学

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  • 損害保険論

    2019.4 Institution:明治大学

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  • 公共選択論

    2018.4 - 2019.3 Institution:関西大学

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  • ミクロ経済学

    2012.4 - 2019.3 Institution:大阪産業大学

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  • ミクロ経済学入門

    2012.4 - 2019.3 Institution:大阪産業大学

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  • 日本と社会

    Institution:筑波大学

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