两性之间的乐观,损失厌恶和对风险态度的性别差异.
1School of Management, University of Bath, Bath, UK.
概括
金融乐观和金融损失厌恶的性别差异显著解释了冒险行为的差异. 这些心理特征占金融风险承受能力中观察到的性别差距的很大一部分.
科学领域:
- 行为经济学是一种行为经济学.
- 心理学 心理学 心理学
- 财务决策的制定方法
背景情况:
- 既定的性别差异存在于冒险的态度.
- 风险评估包括评估结果的概率和对负面结果的主观评价.
研究的目的:
- 调查金融乐观和金融损失厌恶在解释风险承担中的性别差异方面的作用.
- 确定这些心理特征是否解释了金融风险容忍度中观察到的性别差距.
主要方法:
- 利用来自英国的大型面板数据.
- 采用统计分析来检查心理特征和冒险行为之间的关系.
- 对五大个性特征进行控制,以隔离财务乐观和损失厌恶的影响.
主要成果:
- 金融乐观和金融损失厌恶在很大程度上解释了男女愿意承担金融风险的差异.
- 这些心理因素在承受风险的性别差距中占有很大一部分.
- 即使控制了五大个性特征之后,这些发现仍然存在.
结论:
- 金融乐观和金融损失厌恶是金融风险承担性别差异的关键心理驱动因素.
- 这些特征为基于性别的风险行为提供了比单独的个性特征更细致的解释.
- 了解这些心理因素对于金融教育和政策至关重要.
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