[ 考題 106 年台大財金所甲組 ]

Linda has utility function over her net income , Linda drives to work every day and she spends a lot of money in parking meters. Many days the thought of cheating and not paying for parking crosses her mind. However, she knows that there is a 1/4 probability of being caught in a given day if she cheats, and that the cost of the ticket is $36. Her daily income is $100. What is the maximum amount of she will be willing to pay for one day parking? [Hint: by paying that amount she avoids the risk of getting a ticket!]

[ 解答 ]

STEP1 ：先求出不繳停車費的預期效用水準

STEP2 ：求達到相同預期效用的確定等值，表示面對風險事件，個人和擁有 90.25 的確定所得有著相同的效用水準。

STEP3 ：故 100-90.25=9.75 即為支付停車費的最大願付代價（註：此題類似保險問題，可以視為支付保險費後，就可以完全規避擔心被抓的風險事件，故 9.75 即為最大願付保費的概念！）