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Conspicuous Conservatism In Risk Choice

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Author Info
Boaz Moselle (The Brattle Group)
François Degeorge (University of Lugano and Swiss Finance Institute)
Richard Zeckhauser (Harvard University, Kennedy School of Government)

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Abstract

We analyze the risk levels chosen by agents who have private information regarding their quality, and whose performance will be judged and rewarded by outsiders. Assume that risk choice is observable. Even risk-neutral agents will choose risk strategically to enhance their expected reputation. We show that conspicuous conservatism is to be expected: agents of different qualities choose levels below those that would be chosen if quality were observable. This happens because bad agents must cloak their identity by choosing the same risk level as good agents, and good agents are more likely to distinguish themselves if they reduce the risk level. Our results contrast starkly with those for the case when risk choice cannot be observed.

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Publisher Info
Paper provided by Swiss Finance Institute in its series Swiss Finance Institute Research Paper Series with number 07-15.

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Length: 28 pages
Date of creation: May 2007
Date of revision:
Handle: RePEc:chf:rpseri:rp0715

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Web page: http://www.SwissFinanceInstitute.ch
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Related research
Keywords: risk choice signaling conservatism

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Find related papers by JEL classification:
D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information
G30 - Financial Economics - - Corporate Finance and Governance - - - General

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