Page 459 - DECO401_MICROECONOMIC_THEORY_HINDI

bdkbZ 28 % tksf[ke rFkk vfuf'prrk dk vFkZ'kkL=k

lhekar mi;ksfxrk 10 ls 8 (= 18 μ 10) vkSj 8 ls 4 (= 22 μ18) gks tkrh gSA #- 10,000 dh fuf'pr uksV
laHkkouk ls tqM+h visf{kr mi;ksfxrk 18 gSA

fp=k 28-3

Risk Averse
C TU
22
18
16 B D
Utility
10 A

0
5000 850010000 15000
Income (Rs.)

vfuf'pr laHkkouk dh visf{kr mi;ksfxrk 16 gS tc #- 5,000 osQ ifj.kke dk mi;ksfxrk Lrj 10 gS rFkk
#- 15,000 dk 22 gSA tSlk fd uhps n'kkZ;k gSμ
Eu = 0-5 (10) + 0-5 (22) = 5 + 11 = 16
bl mnkgj.k esa] vfuf'pr laHkkouk dh visf{kr mi;ksfxrk (16) fuf'pr laHkkouk osQ fy, mi;ksfxrk (18)
ls de gS] vFkkZr~] 16 < 18- tksf[ke vfuPNqd O;fDr mPprj mi;ksfxrk okyh fuf'pr laHkkouk dks de
mi;kssfxrk okyh vfuf'pr laHkkouk ls vfèkd vfèkeku nsxkA bl izdkj] og 'krZ ls cpsxk rFkk #- 1,500
nsus dk bPNqd gksxk] tks #- 10,000 dh fuf'pr vk; rFkk #- 8,500 dh vfuf'pr vk; osQ chp dk varj
gSA ;g varj tksf[ke izhfe;e (risk premium) dgykrk gSA

tksf[ke izhfe;e osQ vkdkj dks fuèkkZfjr djus osQ fy,] ge viuk mnkgj.k c<+krs gSa rFkk fp=k 28-3 esa bldh
O;k[;k djrs gSaA TU oØ ij fcanq A o C dks ,d js[kk }kjk feykb, tks 5,000 #- dh 10 mi;ksfxrk rFkk
15,000 #- dh 22 mi;ksfxrk osQ vk;&mi;ksfxrk Lrjksa ls lacafèkr gSA fp=k esa è;ku nsa fd 8,500 #- Hkh TU
oØ osQ fcanq B ij fuf'prrk ls visf{kr mi;ksfxrk nsrs gSaA ;g jkf'k tksf[ke O;fDr dh vksj ls tq, dh
fuf'prrk leku jkf'k gSA vfuPNqd foaQrq og 16 dh leku mi;ksfxrk osQ lkFk 10,000 #- dh fuf'pr vk;
dks vfèkd vfèkeku nsxk tSlk fd AC js[kk ij B ls D rd {kSfrt js[kk [khapdj fn[kk;k x;k gSA bl izdkj]
tksf[ke izhfe;e fp=k esa BD [kaM gS tks 1,500 #- gSA leku visf{kr mi;ksfxrk (16) ij 10,000 #-
fuf'pr rFkk 8,500 #- vfuf'pr vk; dk varjA

tksf[ke de djus osQ mik; (Measures to Reduce Risk)
tksf[ke fiz; O;fDr;ksa dks NksM+dj] vfèkdka'k yksx tksf[ke vfuPNqd gksrs gSa tks tksf[ke dh fLFkfr;ksa dk
lkeuk djrs gSaA cgqr ls mik; lq>k, x, gSa tks O;fDr;ksa osQ chp tksf[ke de ;k varfjr djrs gSaA mudh
O;k[;k fuEu gSμ

1- chek (Insurance)
yksx vusd izdkj osQ tksf[keksa tSls] e`R;q] pksV] pksjh] vkx vkfn ls gksus okys uqdlku osQ fo#¼ chek djok
osQ tksf[ke varfjr (transfer) djrs gSaA chek oaQifu;k¡ izhfe;e osQ :i esa oaQiuh dks fn, x, ewY; ij]
uqdlku dh fLFkfr esa] vius ikWfylh èkkjdksa dh {kfriwfrZ djrh gSaA tksf[ke vfuPNqd O;fDr] tksf[ke djus
osQ fy, izhfe;e nsdj chek [kjhnrs gSaA

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