成年人的风险感知和承担风险的年龄差异
1Tilburg University Department of Communication and Cognition, the Netherlands.
Current opinion in psychology
|December 3, 2023
概括
老年人通常表现出在各种领域的风险承担能力降低,特别是与财务和健康相关的领域. 然而,社会风险承担数据不一致,任务的具体性影响了老年人群的行为风险评估.
科学领域:
- 认知心理学 认知心理学
- 老年学是一门学科.
- 行为经济学是一种行为经济学.
背景情况:
- 与年龄相关的决策差异是研究的一个关键领域.
- 了解老年人的风险感知和风险承担对于公共卫生和财务规划至关重要.
研究的目的:
- 综合当前关于风险感知和承担风险的年龄相关差异的研究.
- 探索不同生活领域 (金融,健康,社会等) 风险承担的差异. ) 的情况.
- 检查认知能力和任务特征对老年人冒险行为的影响.
主要方法:
- 关于自我报告的风险感知和行为风险承担任务的现有文献的审查.
- 对各种风险领域的年龄差异进行研究的研究分析.
- 将发现与理论框架和现实世界的例子联系起来,包括COVID-19大流行.
主要成果:
- 老年人通常表现出较低的风险偏好,并且在大多数领域的风险承担较少.
- 关于老年人群中社会风险承担的数据存在不一致性.
- 老年人表现出学习有利风险的能力降低,面对潜在收益时承担风险较少,特别是与财务和死亡率相关的风险.
结论:
- 风险承担的年龄相关下降是显而易见的,尽管社会风险数据需要进一步调查.
- 认知因素和特定任务参数显著缓解了老年人的冒险行为.
- 像COVID-19流行病这样的现实世界事件突出了年龄,风险和决策的复杂相互作用.
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