福利制度运行机制:动力、风险及后果分析

In this paper, the author combines the psychological findings with the social welfare research. It has studied by some psychologists that people are likely to be risk averse over gains, while they are often risk-loving over losses. Thus “loss aversion" and “status quo bias" are general psychological phenomenon of human beings. The author uses these psychological terms to analyze how the welfare states operate and what is the motivation of their development. Using the terms of information economics such as technical risk and moral risk, the author also discusses the risks involved in the process of designing and operating of the welfare institutions. Through the analysis in the paper, the consequences of the operation of the welfare states will be understood more clearly.