处置性情感性,感知到的收入充足性和财务压力的关系:对金融压力感知的分析
Baylor A Graham1, Robert R Sinclair1, Alec Munc1
1Department of Psychology, Clemson University, Clemson, SC, USA.
Psychological reports
|March 14, 2024
概括
处置性影响的个体差异显著影响金融压力感知. 这表明,人格特征和客观的财务因素在理解财务压力的过程中同样重要.
科学领域:
- 心理学 心理学 心理学
- 行为经济学是一种行为经济学.
- 金融心理学 金融心理学
背景情况:
- 财务问题是压力的主要来源.
- 个人对金融压力感知的差异还没有得到充分的研究.
- 认知评估理论强调在压力下进行解释.
研究的目的:
- 调查个人差异,特别是情绪影响在金融压力感知中的作用.
- 检查影响,客观财务状况和感知到的财务压力之间的关系.
- 了解处置性影响如何调节收入和财务压力之间的联系.
主要方法:
- 两项研究共进行了789名参与者 (N = 441;N = 348).
- 使用了统计分析,包括相对权重分析和适度调解.
- 衡量主观的财务感知,处置影响 (积极和消极),以及客观的财务指标 (收入,债务).
主要成果:
- 积极和消极的影响显著预测了对收入充足性的主观看法.
- 在预测金融压力时,处置影响被发现与客观金融措施同样重要,甚至更重要.
- 感知收入充足度调解了收入和情感财务压力之间的关系,处置性影响缓和了这一效应.
结论:
- 财务压力感受受个人倾向于积极或消极地解释财务信息的影响.
- 处置影响是理解金融压力的关键因素,与客观金融情况相比.
- 通过考虑个人心理差异,研究结果为旨在管理财务压力的干预提供了洞察力.
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