跨期选择和风险决策的认知神经机制

经济决策包含两个传统问题：跨期选择和风险决策。跨期选择分为冲动决策和自我控制,当冲动决策时,优先激活了与中脑多巴胺神经元相联系的旁边缘区域,包括伏隔核、眶额皮层中部和前额叶中部;自我控制即选择延迟决策时大脑双侧前额叶和后顶叶皮层神经活动增强。在风险和不确定性条件下,大脑皮层和杏仁核与风险决策联系密切。     

Valuing the future: a MADA example involving nuclear waste storage

Intertemporal decision making involves decisions that have consequences that span several periods of time and often extend far into the future. The purpose of this paper is to discuss and highlight the differences associated with different evaluation methods designed to cope with the long-term impacts of a decision including discounting. The concepts and ideas are illustrated in the context of a decision about a nuclear waste facility. We show how applying different discounting methodologies can greatly affect the decision made, especially over long time periods. © 1998 John Wiley & Sons, Ltd.     

风险条件下的跨期选择

跨期选择是指对发生在未来不同时间点上的结果做出权衡的决策过程。由于大部分跨期选择的情景都处于某种风险之中, 把风险变量纳入跨期选择的研究中则至为关键。针对以往研究在研究范围、理论构建、现实意义等诸方面的不足, 本研究拟采用实验室实验与纸笔测验相结合的方法, 深入揭示高、中、低三种概率水平下风险对跨期选择的影响特征, 探索其发生的机制、各类经典效应的大小。在此基础上, 根据全国不同地区的大样本调查结果, 了解各地区风险条件下跨期选择的差异及其与本地宏观经济指标(如, 消费者物价指数)的关联, 进而探讨研究的现实意义。本研究期望对风险条件下的跨期选择做出系统、全面的科学探索, 并为国家相关部门制定政策提供有价值的参考。     

压力使人短视?来自跨期决策的证据

跨期决策是指个体对不同时间点上的收益或损失进行的权衡和选择。本研究探讨了日常慢性压力知觉和实验室急性压力操作对跨期决策的影响。研究一通过问卷调查发现高压力感与跨期决策中的短期偏好有关;研究二采用社会压力测试范式(TSST)在实验室进行压力操作,同样发现压力组被试比控制组更偏好"小而近"的选项。研究认为,压力使人在跨期决策中倾向于短视选择,可能与双系统激活模式和自我控制资源损耗有关。     

跨期选择的性质探索

跨期选择指人们对发生在不同时间点的价值做出的权衡与决策。大量研究证明, 跨期选择中人们存在普遍的时间折扣倾向, 即将未来的价值折扣后与当前价值进行权衡。跨期选择研究不仅与人类心智的起源与机制等基础科学问题密切相关, 也关系到国家公共政策的制定等现实问题。本项目拟采用实验室研究和大规模问卷调查结合的方法, 深入探索跨期选择的本质。一方面, 采用实验室研究法探讨影响跨期选择的重要因素, 以探索：(1) 跨期选择的效价及其与价值数量、延迟时间的交互作用及其心理机制; (2) 跨期选择中是否存在领域特异性及其心理机制; 另一方面, 通过全国范围的调查, 从而：(1) 建立中国城镇居民时间折扣率的常模; (2) 测量不同类型人群的时间折扣率, 以探讨跨期选择的性质与内涵。项目研究结果将有利于加深学界对跨期选择现象的理解。     

Selfless giving

In four studies, we show that people who anticipate more personal change over time give more to others. We measure and manipulate participants’ beliefs in the persistence of the defining psychological features of a person (e.g., his or her beliefs, values, and life goals) and measure generosity, finding support for the hypothesis in three studies using incentive-compatible charitable donation decisions and one involving hypothetical choices about sharing with loved ones.     

时间感知差异对跨期选择倾向的影响作用

本研究从人格特质差异角度出发, 采用简单跨期选择任务考察了由时距复制任务筛选的两类时距估计倾向不同的群体(时间高估者和时间低估者)在跨期选择中行为倾向的差异, 旨在探讨时间感知在跨期决策中的影响作用。结果发现：(1)无论任务难易, 与时间低估者相比, 时间高估者在跨期选择时更倾向于选择即时兑现的较小奖赏。(2)时间高估者和低估者的跨期选择反应时没有明显的差异, 但二者的反应时受任务难度的影响程度明显不同, 时间高估者的跨期选择反应时不受任务难度的影响, 而时间低估者在任务困难时的反应时比任务容易时明显增长。这些结果表明, 在跨期选择过程中, 时间感知倾向差异明显地影响了个体的选择倾向。时间高估倾向个体对时距的高估可能会导致其在跨期选择权衡中对收益成本的高估, 进而做出冲动的选择行为。     

Good or Bad,We Want it Now: Fixed‐cost Present Bias for Gains and Losses Explains Magnitude Asymmetries in Intertemporal Choice

Intertemporal tradeoffs are ubiquitous in decision making, yet preferences for current versus future losses are rarely explored in empirical research. Whereas rational‐economic theory posits that neither outcome sign (gains vs. losses) nor outcome magnitude (small vs. large) should affect delay discount rates, both do, and moreover, they interact: in three studies, we show that whereas large gains are discounted less than small gains, large losses are discounted more than small losses. This interaction can be understood through a reconceptualization of fixed‐cost present bias, which has traditionally described a psychological preference for immediate rewards. First, our results establish present bias for losses—a psychological preference to have losses over with now. Present bias thus predicts increased discounting of future gains but decreased (or even negative) discounting of future losses. Second, because present bias preferences do not scale with the magnitude of possible gains or losses, they play a larger role, relative to other motivations for discounting, for small magnitude intertemporal decisions than for large magnitude intertemporal decisions. Present bias thus predicts less discounting of large gains than small gains but more discounting of large losses than small losses. The present research is the first to demonstrate that the effect of outcome magnitude on discount rates may be opposite for gains and losses and also the first to offer a theory (an extension of present bias) and process data to explain this interaction. The results suggest that policy efforts to encourage future‐oriented choices should frame outcomes as large gains or small losses. Copyright © 2012 John Wiley & Sons, Ltd.     

Developmental patterns of change in the influence of safe and risky peer choices on risky decision‐making

Adolescents take more risks when peers monitor their behavior. However, it is largely unknown how different types of peer influence affect adolescent decision‐making. In this study, we investigate how information about previous choices of peers differentially influences decision‐making in adolescence and young adulthood. Participants (N = 99, age range 12–22) completed an economic choice task in which choice options were systematically varied on levels of risk and ambiguity. On each trial, participants selected between a safer choice (low variability in outcome) and a riskier choice (high variability in outcome). Participants made choices in three conditions: a solo condition in which they made choices with no additional information, a social condition in which they saw choices of supposed peers, and a computer condition in which they saw choices of a computer. Results showed that participants’ choices conform to the choices made by the peers, but not a computer. Furthermore, when peers chose the safe option, late adolescents were especially likely to make a safe choice. Conversely, when the peer made a risky choice, late adolescents were least likely to follow choices made by the peer. We did not find evidence for differential influence of social information on decisions depending on their level of risk and ambiguity. These results show that information about previous decisions of peers are a powerful modifier for behavior and that the effect of peers on adolescents’ decisions is less ubiquitous and more specific than previously assumed.     

Lay Personality Theories in Interactive Decisions: Strongly Held,Weakly Supported

In interactive decisions, cues to what others will do are important in forming a strategy. Information about others' personalities appears to be potentially valuable for this purpose. We report a series of four studies examining how information about another actor's personality influences people's own choices in interactive decisions. The studies found widespread beliefs that others' personality characteristics are strongly predictive both of broad classes of decision behavior (competition/cooperation, risk‐seeking/risk‐aversion) (Study 1) and of specific choices (Study 2) in single‐agent settings. These beliefs extended to predicting others' choices in interactive decisions (Study 3) and to shaping the predictor's own decisions in interactive play in Chicken and Assurance games (Study 4). Overall, we found extensive evidence that laypeople believe that the personality traits we selected (angry‐hostility, anxiety, assertiveness, excitement‐seeking, and warmth) have substantial effects on behavior in interactive decisions and they act on those beliefs when making their own decisions. The empirical evidence supporting the predictive validity of these traits was, however, quite weak. Copyright © 2014 John Wiley & Sons, Ltd.     

Seeing into the Future: Future Time Orientation as a Moderator of Temporal Distance Effects on Educators' Decisions

Research suggests that the temporal distance from decision outcomes leads to divergent decisions for the near and the distal future. As such, high‐level idealistic concerns and values dominate decisions for the distant future, whereas low‐level pragmatic concerns play a greater role in decisions for the near future. We examined how individual differences in future time orientation are related to decisions vis‐à‐vis the near versus the distal future. The results of three studies, with participants with varying levels of expertise—students (Studies 2 and 3), teachers (Study 1), and school principals (Study 2)—show that principals tend to be overall more idealistic in their choices. Yet discrepancies between decisions for the near versus the distal future exist among all three levels of expertise. However, this dominance of idealistic over pragmatic concerns for more distant future decisions effect was smaller the higher the future time orientation was (whether measured or manipulated). Implications for educational and managerial decision making and training are discussed. Copyright © 2017 John Wiley & Sons, Ltd.     

自我对跨期决策的影响——基于个人-集体主义文化视角

跨期决策是指发生在不同时期的收益和成本的权衡决策。已有研究发现, 决策者的自我意识对跨期决策有着重要影响, 个人?集体主义文化在自我形成中起着重要作用, 但当文化因素被纳入自我对跨期决策影响的研究中时, 三者间的关系显得模糊不清。为了从已有文献中厘清三者间的理论关系, 我们基于个人?集体主义文化视角, 综述了自我对跨期决策影响的相关研究：介绍了跨期决策的相关概念及理论, 详细阐述了跨期决策中的两种自我理论(多重自我模型和自我连续性模型), 探讨了个人?集体主义文化对自我的影响, 并简要介绍了个人主义与集体主义文化下人们的跨期决策偏好差异及其心理机制。最后, 分别从研究内容、研究方法与实际应用三个方面, 提出了将个人?集体主义文化这一因素纳入自我对跨期决策影响过程、系统地考虑三者间关系的研究构想, 以期为未来研究提供新的思路, 深化人们对跨期决策机制的理解。     

厌恶和恐惧情绪对跨期选择的不同影响：基于ERP的研究

本研究运用事件相关电位技术(ERPs)考察厌恶和恐惧情绪对跨期选择的影响。其中,厌恶和恐惧情绪采用情绪面孔图片进行启动,分析跨期选择任务中评估阶段所诱发的ERP成分。行为结果发现,与中性面孔相比,厌恶面孔启动使个体倾向于选择立即奖赏。ERP结果发现,在选项评估阶段,厌恶面孔比中性和恐惧面孔启动诱发更大的P2、P3和LPP波幅。这说明,厌恶情绪促使个体投入更多的注意和动机资源对跨期选项进行评估,进而使个体倾向即时满足。     

Indulgence as self‐reward for prior shopping restraint: A justification‐based mechanism

This research investigates the effects of refraining from a purchase temptation at one point in time on choices made at a subsequent opportunity to purchase or consume a tempting product. Four experiments involving scenarios and real decisions demonstrate that the salience of restraint at a prior impulse buying opportunity causes consumers to reward themselves subsequently by choosing indulgence over non-indulgence. We show that indulgence is likely to increase only when prior restraint is salient and hence can be used as a justification. As expected, an index of reasons for vs. against buying mediates the relationship between prior impulse purchase decision and indulgent choice. In further support of the mechanism, we find that prior indulgence can have the same effect as prior restraint, if the prior indulgence is made justifiable. Finally, we show that prior shopping restraint can increase indulgence without a corresponding increase in self-esteem. These findings extend our understanding of self-regulation and demonstrate that everyday consumer decisions such as responses to impulse buying opportunities can have consequential downstream effects.     

厌恶和恐惧情绪对跨期选择的不同影响：基于ERP的研究

本研究运用事件相关电位技术(ERPs)考察厌恶和恐惧情绪对跨期选择的影响。其中,厌恶和恐惧情绪采用情绪面孔图片进行启动,分析跨期选择任务中评估阶段所诱发的ERP成分。行为结果发现,与中性面孔相比,厌恶面孔启动使个体倾向于选择立即奖赏。ERP结果发现,在选项评估阶段,厌恶面孔比中性和恐惧面孔启动诱发更大的P2、P3和LPP波幅。这说明,厌恶情绪促使个体投入更多的注意和动机资源对跨期选项进行评估,进而使个体倾向即时满足。     

Risk preference and choice stochasticity during decisions for other people

In several contexts, such as finance and politics, people make choices that are relevant for others but irrelevant for oneself. Focusing on decision-making under risk, we compared monetary choices made for one’s own interest with choices made on behalf of an anonymous individual. Consistent with the previous literature, other-interest choices were characterized by an increased gambling propensity. We also investigated choice stochasticity, which captures how much decisions vary in similar conditions. An aspect related to choice stochasticity is how much decisions are tuned to the option values, and we found that this was higher during self-interest than during other-interest choices. This effect was observed only in individuals who reported a motivation to distribute rewards unequally, suggesting that it may (at least partially) depend on a motivation to make accurate decisions for others. Our results indicate that, during decision-making under risk, choices for other people are characterized by a decreased tuning to the values of the options, in addition to enhanced risk seeking.