Jove
Visualize
联系我们
JoVE
x logofacebook logolinkedin logoyoutube logo
关于 JoVE
概览领导团队博客JoVE 帮助中心
作者
出版流程编辑委员会范围与政策同行评审常见问题投稿
图书馆员
用户评价订阅访问资源图书馆顾问委员会常见问题
研究
JoVE JournalMethods CollectionsJoVE Encyclopedia of Experiments存档
教育
JoVE CoreJoVE BusinessJoVE Science EducationJoVE Lab Manual教师资源中心教师网站
使用条款与条件
隐私政策
政策

相关概念视频

The Availability Heuristic01:08

The Availability Heuristic

7.1K
A heuristic is a general problem-solving framework (Tversky & Kahneman, 1974). You can think of these as mental shortcuts that are used to solve problems. Different types of heuristics are used in different types of situations, and the impulse to use a heuristic occurs when one of five conditions is met (Pratkanis, 1989):
7.1K
Growth versus Fixed Mindset01:24

Growth versus Fixed Mindset

343
Carol Dweck introduced the term mindset to describe individuals' beliefs about their intellectual and personal capabilities. These beliefs significantly influence psychological processes such as motivation, goal-setting, and perseverance, ultimately shaping academic and life outcomes. Individuals generally possess one of two mindsets- a fixed or a growth mindset—each promoting different responses to success, failure, and challenge.Fixed vs. Growth MindsetA fixed mindset assumes that one's...
343
Fundamental Attribution Error01:14

Fundamental Attribution Error

13.9K
According to some social psychologists, people tend to overemphasize internal factors as explanations—or attributions—for the behavior of other people. They tend to assume that the behavior of another person is a trait of that person, and to underestimate the power of the situation on the behavior of others. They tend to fail to recognize when the behavior of another is due to situational variables, and thus to the person’s state. This erroneous assumption is...
13.9K
Unrealistic Optimism Bias01:30

Unrealistic Optimism Bias

269
Unrealistic optimism bias is the tendency to overestimate the likelihood of positive outcomes. This cognitive bias makes individuals believe they are less likely to experience failures, setbacks, or risks and more likely to succeed than others. For example, people may assume they are less prone to health issues, accidents, or financial struggles than their peers, even when they share similar risk factors.One key component of this bias is the above-average effect, where individuals perceive...
269
Motivational Bias01:25

Motivational Bias

416
Cognitive bias results from limitations in thinking and information processing, leading to systematic errors in judgment. Conversely, motivational bias stems from personal desires or emotions, causing distortions in perception to align with self-interest. Motivational bias influences how individuals perceive and attribute causes to events, often shaped by personal needs, goals, and self-esteem preservation. This bias can distort judgment, leading to inaccurate assessments of success, failure,...
416
The Anchoring-and-Adjustment Heuristic01:25

The Anchoring-and-Adjustment Heuristic

7.8K
In order to make good decisions, we use our knowledge and our reasoning. Often, this knowledge and reasoning is sound and solid. However, sometimes, we are swayed by biases or by others manipulating a situation. For example, let’s say you and three friends wanted to rent a house and had a combined target budget of $1,600. The realtor shows you only very run-down houses for $1,600 and then shows you a very nice house for $2,000. Might you ask each person to pay more in rent to get the...
7.8K

您也可能阅读

相关文章

通过共同作者、期刊和引用图与本文相关的文章。

排序
Same author

Differences in housing wealth between U.S. military service personnel and the Civilian population-Exploring the role of financial stress.

PloS one·2025
Same author

Fear of missing out, social media influencers, and the social, psychological and financial wellbeing of young consumers.

PloS one·2025
Same author

Mortgage Borrowing and Chronic Disease Outcomes in Older Age: Evidence From Biomarker Data in the Health and Retirement Study.

The journals of gerontology. Series B, Psychological sciences and social sciences·2024
Same author

The role of consumer and mortgage debt for financial stress.

Aging & mental health·2020

相关实验视频

Updated: Feb 22, 2026

The Joint Effect of Social Comparison and Social Distance on Evaluation of Intertemporal Choice Outcomes in Event-related Potential Studies
08:24

The Joint Effect of Social Comparison and Social Distance on Evaluation of Intertemporal Choice Outcomes in Event-related Potential Studies

Published on: August 25, 2023

1.2K

稀缺心态与使用替代金融服务的积极关联.

George Rooney1, Cäzilia Loibl1

  • 1Department of Human Sciences, The Ohio State University, Columbus, Ohio, United States of America.

PloS one
|February 20, 2026
PubMed
概括

稀缺心态,即缺乏资源的感觉,与使用替代金融服务有关. 这种联系适用于所有收入水平,突出了其在金融行为中的重要性.

科学领域:

  • 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:

  • 稀缺心态的特点是缺乏资源的感知,可以影响决策.
  • 虽然它可以帮助解决紧急需求,但它也可以导致在其他领域的监督.
  • 了解其对金融服务利用的影响至关重要.

研究的目的:

  • 调查稀缺心态与使用替代金融服务 (AFS) 之间的关联.
  • 为了确定这种关联是否独立于已知的AFS预测因素而持续存在.
  • 为了检查这种关系是否在不同的家庭收入水平上有所不同.

主要方法:

  • 利用了2021年FINRA国家财务能力研究 (N=24,349) 的数据.
  • 采用二进制物流回归分析来评估关系.
  • 根据AFS使用和社会人口统计因素的既定预测因素进行控制.

主要成果:

  • 更强烈的稀缺心态与使用替代金融服务有显著的积极关联.
  • 在控制其他预测因素和社会人口统计学变量之后,这种关联仍然很重要.
  • 稀缺心态预测AFS在所有收入群体中使用,包括高收入人群.

结论:

更多相关视频

Measuring Delay Discounting in Humans Using an Adjusting Amount Task
07:47

Measuring Delay Discounting in Humans Using an Adjusting Amount Task

Published on: January 9, 2016

16.1K
Measuring the Subjective Value of Risky and Ambiguous Options using Experimental Economics and Functional MRI Methods
13:04

Measuring the Subjective Value of Risky and Ambiguous Options using Experimental Economics and Functional MRI Methods

Published on: September 19, 2012

12.5K

相关实验视频

Last Updated: Feb 22, 2026

The Joint Effect of Social Comparison and Social Distance on Evaluation of Intertemporal Choice Outcomes in Event-related Potential Studies
08:24

The Joint Effect of Social Comparison and Social Distance on Evaluation of Intertemporal Choice Outcomes in Event-related Potential Studies

Published on: August 25, 2023

1.2K
Measuring Delay Discounting in Humans Using an Adjusting Amount Task
07:47

Measuring Delay Discounting in Humans Using an Adjusting Amount Task

Published on: January 9, 2016

16.1K
Measuring the Subjective Value of Risky and Ambiguous Options using Experimental Economics and Functional MRI Methods
13:04

Measuring the Subjective Value of Risky and Ambiguous Options using Experimental Economics and Functional MRI Methods

Published on: September 19, 2012

12.5K
  • 稀缺心态是使用替代金融服务的重要预测因素,无论家庭收入如何.
  • 研究结果表明,需要考虑稀缺性对财务选择的心理影响.
  • 影响扩展到评估稀缺心态在新兴金融产品 (如金融技术应用) 中的作用.