Page 472 - DECO401_MICROECONOMIC_THEORY_HINDI

O;f"V vFkZ'kkL=k osQ fl¼kar

uksV nksuksa lewgksa ls leku izhfe;e olwy djrh gSA ifj.kkeLo:i vLoLFk O;fDr fcaanq E ij 3%1 dh vuqowQy
laHkkouk ij chek djok,¡xs rFkk tc oaQiuh }kjk OC jkf'k osQ chekjh osQ nkoksa dk Hkqxrku djuk iM+sxk rks
oaQiuh dks fnokfy;k dj nsaxsA bl fLFkfr esa] oaQiuh nks ikWfyfl;ksa dk izLrko j[krh gSA ,d LoLFk yksxksa osQ
3%1 laHkkouk ij MP izhfe;e dkA os oØ I osQ fcanq S ij gksaxs tks mudh ctV js[kk B dks Li'kZ djrk
H1 H
gSA chekjh dh fLFkfr esa] oaQiuh nkos osQ :i esa bl lewg dks OB Hkqxrku djsxhA vLoLFk O;fDr;ksa osQ fy,]
;g 1%1 laHkkouk ij fcanq T ij MP izhfe;e ysxh vkSj bl lewg dks oaQiuh OC Hkqxrku djsxhA ;g
1
ifj.kke ,dek=k laHko larqyu gSA ;g laHko gS ;fn chek oaQiuh ckj&ckj osQ esfMdy ijh{k.k rFkk fiNyk
LokLF; bfrgkl (past health history) osQ }kjk LoLFk rFkk vLoLFk yksxkas osQ ckjs esa tku ldus dh leFkZ
j[krh gSA

D;k vki tkurs gSa chek oaQiuh dk dk;Z fdlh vfuf'pr ?kVuk osQ dkj.k gkfu dh ?kVuk esa
fuf'prrk iznku djuk gksrk gSA

29-2 chek rFkk tq, esa p;u % izQhMeSu&lSost ifjdYiuk
(Choice between Insurance and Gambling : Friedman-Savage
Hypothesis)

oqQN tksf[ke vfuPNqd O;fDr gksrs gSa tks viuk le; vius chek laj{k.k dk iqujkoyksdu djrs gq, fcrkrs
gSa rFkk osQfluks esa tq, esa O;Lr jgrs gSaA ;g ,d fojksèkkHkkl izrhr gksrk gS D;ksafd ;g O;ogkj laosQr nsrk
gS fd yksx ,d lkFk tksf[ke vfuPNqd (risk averse) rFkk tksf[ke fiz; (risk loving) gksrs gSaA okLro
esa] dksbZ fojksèkkHkkl ugha gS D;ksafd ,slk O;ogkj chek tks [kjhnk tk ldrk gS mldh izÑfr rFkk ykxr ij
rFkk tq, osQ [ksy osQ izdkj ij fuHkZj djrk gSA
tc ,d O;fDr ,d chek ikWfylh ysrk gS rks og tksf[ke ls cpus ;k mlls nwj jgus dk iz;kl djrk gSA
foaQrq tc og ykWVjh dk fVdV ysrk gS rks mls ,d cM+s ykHk dk NksVk volj izkIr gksrk gSA bl izdkj] og
tksf[ke mBkrk gSA oqQN yksx chek rFkk tq, nksuksa esa 'kkfey gksrs gSa rFkk bl izdkj os tksf[ke ysrs gSa vkSj mlls
cprs Hkh gSaA D;ksa\ mÙkj izQhMeSu&lSost ifjdYiuk }kjk fn;k x;k gSA ;g crkrh gS fd eqnzk dh vk; osQ
fy, lhekar mi;ksfxrk fdlh Lrj ls uhps ?kVrh gSA ;g vk; osQ ml Lrj rFkk fdlh mPp Lrj osQ eè; c<+rh
gS] vkSj iqu% ml mPprj Lrj osQ mQij leLr vk; osQ fy, de gks tkrh gSA ;g fp=k 29-4 esa oqQy mi;ksfxrk

fp=k 29-4

T 1
K 1 TU
Total Utility B 1 C 1 D F
G
1

A 1 E 1
1 1

A
A B C DE F G K T
Income

466 LOVELY PROFESSIONAL UNIVERSITY