关于整体情绪作为风险金融行为的并行预测因素的调查
Miriam Rustam1, Agnes Sianipar1, Bagus Takwin1
1Faculty of Psychology, Universitas Indonesia, Depok, Indonesia.
PsyCh journal
|March 12, 2026
概括
预期和预期的整体情绪,同时直接影响有风险的财务决策. 了解这些情绪路径是消费者金融研究和干预的关键.
科学领域:
- 消费者金融 消费者金融
- 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:
- 在决策过程中产生的整体情绪,显著影响选择.
- 之前的研究往往集中在单一的情绪路径上,忽视了平行影响.
研究的目的:
- 调查预期和预期的整体情绪如何影响风险的金融行为.
- 模拟两个情绪路径作为财务决策中的并行机制.
- 在不同的金融环境中量化这些情绪的直接和间接影响.
主要方法:
- 整体情绪 (预期和预期) 和有风险的财务意图的路径分析建模.
- 用于"现在购买,以后付款" (BNPL) 和"在线贷款"情景的视听片段.
- 收集了640名印尼成年人对感知结果,情绪强度,风险感知和风险倾向的数据.
主要成果:
- 预期的结果强烈地引起了预期和预期的情绪.
- 这两种情感类型对有风险的财务意图的直接影响比间接影响更为重大.
- 在BNPL和在线贷款环境中,综合情绪对风险金融意图的平行影响得到了证实.
结论:
- 整体情绪对有风险的财务意图产生直接和并行影响.
- 共同建模预期和预期的情绪提供了对财务决策的更全面的理解.
- 研究结果强调了在消费者金融和行为干预中考虑两种类型的整体情绪的重要性.
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