投资者信息确认表格在捕捉投资者风险倾向方面的局限性
Jungran Kim1, Bonha Koo2, Hyoung-Goo Kang1
1College of Business Administration, Hanyang University, Seoul, 04763, Republic of Korea.
Heliyon
|November 18, 2024
概括
韩国金融机构使用行为风险评估 (BRA) 表格,但这些表格未能捕捉出兴奋驱动的风险承担 (SRT). 通过心理因素来改进BRA对于更好的投资者保护和量身定制的战略至关重要.
科学领域:
- 财政监管和消费者保护问题
- 行为经济学是一种行为经济学.
- 心理风险评估 心理风险评估
背景情况:
- 韩国金融消费者保护法规定了适合性原则.
- 金融机构使用行为风险评估 (BRA) 形式来衡量投资者的特点.
- 现有的研究主要集中在金融风险态度上,可能会忽视心理层面.
研究的目的:
- 评估BRA表格在捕捉不同投资者风险倾向方面的有效性.
- 将BRA的评估与经济风险态度 (ERA),工具风险承担 (IRT) 和刺激风险承担 (SRT) 进行比较.
- 引入一种多维的方法,包括SRT等心理因素,以全面了解投资者行为.
主要方法:
- 对BRA形式与已确立的风险倾向指标 (ERA,IRT,SRT) 的比较分析.
- 在评估框架中包括心理风险因素,特别是刺激风险承担 (SRT).
- 评估BRA评估与风险倾向的不同维度之间的相关性.
主要成果:
- BRA的评估显示与经济风险态度 (ERA) 和工具性风险承担 (IRT) 有关.
- BRA表格没有充分捕捉通过刺激风险承担 (SRT) 测量的兴奋驱动的风险倾向.
- 目前的BRA表格可能不完全反映投资者的真正风险概况.
结论:
- BRA表格需要改进,以纳入心理风险因素,以便全面的投资者分析.
- 建议建立一个多维的风险评估框架,以加强金融消费者保护.
- 改进的风险评估可以导致更个性化的投资策略,并可能利用人工智能来实现未来的进步.
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