在非劳动收入的动态风险投资过程中,潜在的高风险承担倾向的计算建模解释
Yuanyuan Hu1,2, Yuening Jin1,2, Bowen Hu3
1CAS Key Laboratory of Behavioral Science, Institute of Psychology, Chinese Academy of Sciences, Beijing, 100101, People's Republic of China.
Psychology research and behavior management
|July 1, 2024
概括
拥有非劳动收入的个人由于高风险期望和对损失的敏感性降低,参与了更有风险的财务行为. 这与那些获得劳动收入的人形成鲜明对比,他们表现出更谨慎的投资策略.
科学领域:
- 行为经济学是一种行为经济学.
- 决策科学 决策科学 决策科学
- 认知心理学 认知心理学
背景情况:
- 研究表明,个人对非劳动收入的风险比劳动收入更大.
- 对非劳动收入增加的风险承担倾向的解释有限.
研究的目的:
- 调查非劳动收入增加风险承担背后的心理机制.
- 使用计算建模,比较劳动和非劳动收入群体之间的动态风险投资流程.
主要方法:
- 103名参与者完成了气球模拟风险任务 (BART).
- 货币捐赠以劳动收入 (调查令牌) 或非劳动收入 (幸运抽奖奖项) 的形式呈现.
- 计算建模分析了风险投资动态中的差异.
主要成果:
- 与劳动收入受益人相比,非劳动收入受益人对BART的投资风险明显高.
- 计算模型显示,非劳动收入的个人有更高的预设风险预期.
- 非劳动收入的个人对投资损失表现出不敏感,与劳动收入的个人不同.
结论:
- 非劳动收入通过高风险预期和损失降低敏感度来促进更有风险的金融行为.
- 研究结果提高了对基于收入来源的金融风险承担心理驱动因素的理解.
- 未来的研究应该探索各种样本和收入操纵方法.
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