risk. After a brief overview of efficient risk sharing, we discuss the channels by which households pool risk and the … motives for entering in binding informal arrangements. Informal risk sharing arrangements are often thought to be enforced via … evolutionary biology and emphasize the link between gene transmission, family ties, and altruism. Next, we turn to the formation of …

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