基于经验的风险承担主要是由先前的学习而不是决策形成的
Alon Erdman1, Arne Gouwy2, Gal Sananes2
1Department of Psychology, Hebrew University of Jerusalem, Jerusalem, Israel. alon.erdman@mail.huji.ac.il.
Nature communications
|July 8, 2025
概括
冒险行为主要是由学习过程塑造的,而不是决策. 随着时间的推移,个人学习衡量潜在收益和损失的方式的变化显著影响了他们的风险偏好.
科学领域:
- 认知神经科学 认知神经科学
- 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
背景情况:
- 个人的风险承担有很大差异,影响经济行为和心理健康.
- 风险评估通常涉及对潜在的收益和损失进行权衡,但现实生活中的决策受到先前的学习经验的影响.
研究的目的:
- 为了确定认知决策或学习过程主要控制了基于经验的选择中收益和损失的权衡.
- 研究学习和决策之间的相互作用,随着时间的推移塑造风险行为.
主要方法:
- 一个28天的纵向决策任务,涉及100名参与者.
- 计算建模分析参与者的选择,并确定影响风险承担的因素.
- 对神经和生理学学习信号的测量,以响应决策结果.
主要成果:
- 风险承担行为的变化主要是由学习方式的变化解释的,而不是决策,加权的收益和损失.
- 观察到的神经和生理信号证实了学习过程中推断出的变化.
- 发现学习对风险权重的影响比决策更为重要.
结论:
- 在基于经验的决策中,学习在规范风险承担方面起着至关重要的作用.
- 了解风险权重背后的学习机制是解释个人在财务和行为选择中的差异的关键.
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