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1.
行为经济学中的损失规避 总被引：3，自引：0，他引：3
损失规避是指,人们总是强烈倾向于规避损失：一定数额的损失所引起的心理感受,其强烈程度约相当于两倍数额的获益感受。这种强烈的心理与行为倾向广泛存在于风险与非风险领域,在该两个领域中损失规避的研究范式也不同。损失规避常见于经济和消费等领域,可用于解释行为决策中有悖于规范化理论的诸多现象,如禀赋效应、现状偏差、股权溢价之迷和赢者的诅咒等。然而,损失规避的机制研究还存在许多尚未解决的问题,如损失规避的本质以及适用条件。今后的研究不仅要注重认知角度和情感依恋,还要结合认知过程来研究损失规避的性质和内在机制,以期帮助人们认识、预测及干预由损失规避造成的经济损失和非理性决策。 相似文献
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The common view in psychology and neuroscience is that losses loom larger than gains, leading to a negativity bias in behavioral responses and Autonomic Nervous System (ANS) activation. However, evidence has accumulated that in decisions under risk and uncertainty individuals often impart similar weights to negative and positive outcomes. We examine the role of the ANS in decisions under uncertainty, and its consistency with the behavioral responses. In three studies, we show that losses lead to heightened autonomic responses, compared to equivalent gains (as indicated by pupil dilation and increased heart rate) even in situations where the average decision maker exhibits no loss aversion. Moreover, in the studied tasks autonomic responses were not associated with risk taking propensities. These results are interpreted by the hypothesis that losses signal the subjective importance of global outcome patterns. Copyright © 2010 John Wiley & Sons, Ltd. 相似文献
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Although the same decision to act can occur in multiple contexts, how these contexts differentially influence behavior is not well understood. In this paper, we investigate whether contextual framing affects individuals' behavior in spatial decision making. Although previous research suggests that individuals' judgments are sensitive to contextual (and particularly moral) factors of a scenario, no work has addressed whether this effect extends to spatial decisions. To investigate the impact of context on perceptual sensorimotor behavior, we superimposed two moral dilemmas (which we call help and harm) on a spatial decision-making paradigm. The basic task required participants select a target area while avoiding an overlapping nontarget area. Although the visuospatial task was constant, the moral context was changed when participants had to execute either a drone missile strike on enemies in the harm context or deliver ammunition to allies in the help context. Participants more strongly avoided losses in the harm context, reflected by a greater selection bias away from the nontarget (i.e., allies) on drone strike trials. These findings suggest that the contextual framing of a subjective perceived loss on a spatial decision can drive avoidant motor execution behavior. 相似文献
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Gretchen B. Chapman 《决策行为杂志》1998,11(1):47-58
Previous research has shown that after decision makers are endowed with an object, they are reluctant to trade it for an alternative item. This endowment effect can be explained by loss aversion, the tendency to weight losses more heavily than gains. Consequently, there is no reluctance to trade when no true loss is involved. Four studies investigated whether reluctance to trade declines when the trade involves less of a loss—specifically, when one item is traded for another very similar item. Three experiments did not reveal a relation between willingness to trade and the similarity between the two items being traded. A fourth experiment, however, indicated that subjects were quite willing to trade for an identical item, less willing to trade for a similar item, and even less willing to trade for a dissimilar item. Thus, reluctance to trade decreased as the similarity between the endowment and the alternative increased. This result suggests that loss aversion is a function not only of the item being lost but also of the trade itself—that is, of the relation between the two items being traded. © 1998 John Wiley & Sons, Ltd. 相似文献
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This research provides evidence for a new moderator of the endowment effect: having a memento of the endowed object. Three studies adapting classic endowment effect paradigms and using a variety of endowment objects and mementos demonstrate that having a memento of an endowment increases willingness to trade the endowment and decreases selling prices for the endowment. We provide evidence that mementos attenuate the endowment effect regardless of whether the memento is a separate small gain when facing the loss of the endowment or a small part of the original endowment that is kept. Examining mementos in context of the endowment effect not only provides insight into the psychology underlying the reluctance to part with one's endowment but also other consumer disposition behaviors. 相似文献
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刘腾飞 徐富明 张军伟 蒋多 陈雪玲 LIU Teng-Fei XU Fu-Ming ZHANG Jun-Wei JIANG Duo CHEN Xue-Ling 《心理科学进展》2010,18(10):1636-1643
安于现状偏差是指个体在决策时,倾向于不作为、维持当前或者以前的决策的一种现象。安于现状偏差包括内源的安于现状偏差与外源的安于现状偏差。目前研究者对这一现象的解释主要有两种:损失规避与后悔理论。安于现状偏差的影响因素主要包括备择项的数目、决策者的情绪以及认知与动机特征等。安于现状偏差有利于认识日常决策行为,而且在销售、管理与公共政策等实践领域有着重要的研究价值。未来的研究则需要从安于现状偏差与其他决策现象之间的关系,安于现状偏差的产生根源及其应用研究的拓展等方面来进一步探讨。 相似文献
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The endowment effect suggests that people become attached to objects that are in their possession, and they demand a higher price to sell an object they own than they would be willing to pay to buy the same object. The results of four experiments support the suggestion that “possession attachment” is related to adult attachment styles in close relationships. Measures of attachment style in close relationships significantly predicted both actual and hypothetical selling prices moderating the endowment effect (Study 1), and significantly correlate with ratings of possession attachment (Study 2). Specifically, attachment anxiety is positively correlated with the selling prices of objects, while attachment avoidance shows no significant relation with object evaluation. The third and fourth experimental studies further demonstrated that attachment anxiety enhances possession evaluation and inhibits trades. The studies used real commodities and real money, and therefore, they have implications for everyday decisions as well as for the development of theories to better understand decisions about trades, negotiations, and choice of goods. Copyright © 2010 John Wiley & Sons, Ltd. 相似文献
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如果忽略收入影响和交易成本, 愿意为一样物品支付的价格应等于愿意出售的价格。而塞勒教授却发现, 现实生活中有一些“反常”现象, 个体会对自己所拥有的物品赋予更高的价值, 造成“愿意支付价格”和“愿意出售价格”的不一致。塞勒利用预期理论中的损失厌恶对这些反常现象进行解释, 并将该现象称为禀赋效应(endowment effect)。此后, 众多研究者从不同角度对该效应进行了探索和论证。文章详细梳理了禀赋效应的多种解释机制, 包括损失厌恶、心理所有权理论、偏差的认知过程以及进化的观点等, 论证了禀赋效应符合“常理”的原因, 同时也探讨了禀赋效应在商业销售策略和政府拆迁政策等方面的应用前景。 相似文献
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关于成本沉没效应的实验研究 总被引：2，自引：0，他引：2
运用IAT 技术,通过实验,证明“损失厌恶”具有内隐性,“损失厌恶”存在内隐偏差,并且二者具有很强的稳定性,即不受当前情绪及刺激材料性质等的影响,为进一步认识成本沉没效应等现象的本质特点提供了证据。 相似文献
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In the present study we address a multi‐issue negotiation agenda, where several issues are under consideration and parties have different priorities among these issues. We suggest that in such agendas loss aversion and within issue anchoring may constrain the configuration of offers that parties propose to each other during the course of negotiation. We specifically focus on offers in which negotiators self‐propose to give the other party more than was demanded on one of the issues, while still maintaining or improving their overall value. We term such offers Integrative Gambit Offers (“IGO”s) and show that although making such offers improves integrative negotiation outcome, the frequency of making them is relatively low, and does not increase as negotiators gain experience with the task. Copyright © 2006 John Wiley & Sons, Ltd. 相似文献
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We examined (1) whether people would be more responsive to the delayed consequences of their decisions when attempting to minimize losses than when attempting to maximize gains in a history‐dependent decision‐making task and (2) how trait self‐control would moderate such an effect. In two experiments, participants performed a dynamic decision‐making task where they chose one of two options on each trial. The increasing option always gave a smaller immediate reward but caused future rewards for both options to increase. The decreasing option always gave a larger immediate reward but caused future rewards for both options to decrease. In Experiment 1 where the two options had equivalent expected value in the long run, participants were more prone to select the increasing option, which yielded larger benefits on future trials, in the loss‐minimization condition than in the gain‐maximization condition. Trait self‐control moderated the effect of losses by enhancing the effect for low self‐control participants while attenuating it for high self‐control participants. In Experiment 2 where selecting the increasing option was suboptimal, low self‐control participants still attempted to reduce losses on future trials by selecting the increasing option more often than high self‐control participants. These results suggest that decision makers value delayed consequences of their actions more in a losses domain relative to a gains domain and low self‐control individuals are more susceptible to such an effect. Copyright © 2014 John Wiley & Sons, Ltd. 相似文献
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实验1采用艾尔斯伯格悖论的研究范式,探究被试对模糊的厌恶倾向以及在决策过程中所采用的决策策略。结果发现：被试对确定选项和模糊选项的选择存在差异;在肯定形式下倾向于确定选项,而在否定形式下则倾向于模糊选项,采用了利益最大化策略。实验2采用艾尔斯伯格悖论的变式,通过操纵概率和任务类型,发现：模糊决策具有情境依赖性,并非任何情况下个体都厌恶模糊。当风险选项不能满足自己的需要,即获胜机率比较小时,人们会偏向模糊选项。 相似文献
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采用跨期选择任务范式,考察得失情境下自我–他人决策差异。结果发现：（1）为自己决策比为他人决策更偏好于选择即刻选项;（2）损失情境比获益情境下更偏好于选择即刻选项;（3）获益情境下为自己决策与为他人决策在选择即刻选项上不存在显著差异,而损失情境下为自己决策比为他人决策更偏好于选择即刻选项,表明得失情境下自我–他人决策差异存在不对称性。 相似文献
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Previous studies show that decision makers (DMs) lie more to avoid a loss than achieve a gain. Two compelling mechanisms might explain this observation. One assumes that lying is a risky activity and relates to the shape of the monetary value function described by prospect theory, which assumes (a) increased risk taking for loss frames and (b) an asymmetry between the perceived values of losses and gains. The other relates to the importance of self-esteem functions as expressed in self-concept maintenance models, self-esteem issues being weighed against monetary issues. This alternative explanation assumes that a loss frame serves as a factor lowering moral considerations. We report an experimental study presenting sets of lotteries to DMs, once in a moral context and once in a traditional probabilistic context. The results show that DMs take less risk when lotteries are presented in a moral context. It is also shown that DMs take more risk for losses than gains, this holding for both the moral and probabilistic contexts. This latter result suggests that loss/gain asymmetry can be completely explained by prospect theory factors, and framing makes no difference to the valuing of moral considerations. 相似文献
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The tendency to discount future prospects in lieu of smaller immediate outcomes is known as temporal discounting. The current work used eye‐tracking methodology to examine attentional processing to different elements of choice during an intertemporal decision task. Our findings reveal that those who tend to prefer the immediate option demonstrate attentional biases that were predictive of choice. When losses were at stake, selective attention biases also predicted unique variance in self‐report measures of risk taking, impulsivity, and self‐control beyond what was accounted for by a discounting parameter (k), a typical method for summarizing intertemporal choice data. Overall, our findings suggest that eye‐tracking measures of selective attention may allow for a better theoretical understanding of the mechanisms and processes involved in intertemporal choice. Copyright © 2015 John Wiley & Sons, Ltd. 相似文献
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Despite abundant literature theorizing societal implications of algorithmic decision making, relatively little is known about the conditions that lead to the acceptance or rejection of algorithmically generated insights by individual users of decision aids. More specifically, recent findings of algorithm aversion—the reluctance of human forecasters to use superior but imperfect algorithms—raise questions about whether joint human-algorithm decision making is feasible in practice. In this paper, we systematically review the topic of algorithm aversion as it appears in 61 peer-reviewed articles between 1950 and 2018 and follow its conceptual trail across disciplines. We categorize and report on the proposed causes and solutions of algorithm aversion in five themes: expectations and expertise, decision autonomy, incentivization, cognitive compatibility, and divergent rationalities. Although each of the presented themes addresses distinct features of an algorithmic decision aid, human users of the decision aid, and/or the decision making environment, apparent interdependencies are highlighted. We conclude that resolving algorithm aversion requires an updated research program with an emphasis on theory integration. We provide a number of empirical questions that can be immediately carried forth by the behavioral decision making community. 相似文献
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This study examined whether different aspects of mathematical proficiency influence one's ability to make adaptive financial decisions. “Numeracy” refers to the ability to process numerical and probabilistic information and is commonly reported as an important factor which contributes to financial decision‐making ability. The precision of mental number representation (MNR), measured with the number line estimation (NLE) task has been reported to be another critical factor. This study aimed to examine the contribution of these mathematical proficiencies while controlling for the influence of fluid intelligence, math anxiety and personality factors. In our decision‐making task, participants chose between two options offering probabilistic monetary gain or loss. Sensitivity to expected value was measured as an index for the ability to discriminate between optimal versus suboptimal options. Partial correlation and hierarchical regression analyses revealed that NLE precision better explained EV sensitivity compared to numeracy, after controlling for all covariates. These results suggest that individuals with more precise MNR are capable of making more rational financial decisions. We also propose that the measurement of “numeracy,” which is commonly used interchangeably with general mathematical proficiency, should include more diverse aspects of mathematical cognition including basic understanding of number magnitude. 相似文献
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The status quo effect derived from loss aversion is common in decision making. However, we propose that advisors (vs. personal decision makers) are less susceptible to such an effect because they are less loss-averse. The difference in loss aversion between personal decision makers and advisors is reflected in both the query order and content. Compared to advisors, personal decision makers produce more queries favoring the status quo, at an earlier time, than those favoring the new option. As hypothesized, the status quo effect was observed among personal decision makers, but not among advisors (Studies 1 and 2). Query order and content were found to mediate the impact of decision maker’s role on the status quo effect (Study 2). When personal decision makers and advisors made queries in the same order (Study 3) or of the same content (Studies 4a and 4b), the difference between self–other decision making disappeared. 相似文献