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Stereotypes, Prejudice, and Discrimination02:55

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Humans are very diverse and although we share many similarities, we also have many differences. The social groups we belong to help form our identities (Tajfel, 1974). These differences may be difficult for some people to reconcile, which may lead to prejudice toward people who are different. Prejudice is a negative attitude and feeling toward an individual based solely on one’s membership in a particular social group (Allport, 1954; Brown, 2010). Prejudice is common against people who...
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Often, psychologists develop surveys as a means of gathering data. Surveys are lists of questions to be answered by research participants, and can be delivered as paper-and-pencil questionnaires, administered electronically, or conducted verbally. Generally, the survey itself can be completed in a short time, and the ease of administering a survey makes it easy to collect data from a large number of people.
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Regression toward the mean (“RTM”) is a phenomenon in which extremely high or low values—for example, and individual’s blood pressure at a particular moment—appear closer to a group’s average upon remeasuring. Although this statistical peculiarity is the result of random error and chance, it has been problematic across various medical, scientific, financial and psychological applications. In particular, RTM, if not taken into account, can interfere when...
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Information is everywhere and its presentation—such as how and when items are presented—can impact our perceptions and decisions surrounding the info. This broad concept umbrellas framing effects—influences that occur due to the way information is framed in its appearance, whether it’s purely the order or the specific wording of a message. Let’s take a look at numerous ways in which two versions of something can objectively say the same thing, yet we respond in...
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Adolescents from ethnic minority backgrounds face a multifaceted journey in forming their identities, shaped by the intersections of cultural expectations and personal exploration. For these adolescents, identity formation involves not only typical developmental challenges but also navigating the perceptions and attitudes of the majority culture. As they grow, adolescents in ethnic minority groups often become increasingly aware of stereotypes, social biases, and discrimination, all of which...
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Using the Race Model Inequality to Quantify Behavioral Multisensory Integration Effects
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金融行为健康和投资风险愿望:对种族财富差距的影响

Jeffrey Anvari-Clark1, Theda Rose2

  • 1Department of Social Work, University of North Dakota, Grand Forks, ND 58202, USA.

International journal of environmental research and public health
|May 27, 2023
PubMed
概括

金融行为健康 (FBH) 显著影响投资风险意愿. 这项研究建立了一个FBH衡量标准,发现它是风险容忍的关键驱动因素,而不是种族.

科学领域:

  • 行为经济学是一种行为经济学.
  • 金融心理学 金融心理学
  • 金融社会学 金融社会学

背景情况:

  • 金融行为健康 (FBH) 影响财富和投资决策.
  • 在FBH的种族差异和投资风险意愿尚未得到充分理解.
  • 现有关于黑白投资者的风险意愿的研究产生了不同的结果.

研究的目的:

  • 开发和验证金融行为健康 (FBH) 的措施.
  • 检查FBH与跨种族群体的投资风险意愿之间的关系.
  • 调查FBH在解释投资行为的潜在种族差异方面的作用.

主要方法:

  • 利用了FINRA2018年国家财务能力研究的数据.
  • 采用了因子分析来制定19项FBH措施.
  • 应用结构方程建模 (SEM) 和不变性分析来评估FBH和风险意愿.

主要成果:

  • 该FBH测量表明,该模型非常适合白人受访者,但不适合黑人受访者.
  • FBH解释了投资风险意愿差异的显著37% (R2 = 0.368).
  • 发现种族群体的归属是风险意愿的一个可以忽略不计的预测因素.
关键词:
财务行为健康 财务行为健康金融不稳定性 金融不稳定金融危机 金融危机财务自力更生 财务自力更生财务上的幸福 财务上的幸福愿意承担投资风险的愿望

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结论:

  • 这项研究为理解金融行为健康提供了经验基础.
  • 不管种族,FBH是投资风险意愿的一个关键决定因素.
  • 风险意愿的种族差异不太可能是财富差距的主要驱动因素.