Behavioral contrast in a two-option analogue task of financial decision making

The effects of an alternative course of action on sustained escalation and persistence in the face of failure was investigated using a computerized stock investment task. Subjects invested in "stock" in two "markets" that yielded returns according to two-component multiple variable-interval schedules. Both markets yielded equal but intermittent return rates during the first phase. In the second phase, one market ceased to yield returns, while the return rate for the other market was unchanged. During the second phase, behavioral contrast effects were evident. Investing in the market that ceased to yield returns dropped precipitously, and investing in the unchanged market increased significantly. Although the behavior may be economically "irrational," it is predictable from the matching law and shows that interactions among a history of intermittent returns in a course of action, current return rate, and currently available alternative courses of action are important determinants of persisting in, or withdrawing from, a failing course of action.     

Behavior analysts' perceptions of the population specificity or comprehensiveness of autism treatments

The basic philosophy of radical behaviorism provides foundations for behavioral intervention applications in applied behavior analysis (ABA) across a variety of populations and human behaviors. However, as ABA increases in popularity for people with autism, many people perceive that ABA resembles other non‐research‐supported interventions which market themselves almost exclusively for autism. This study evaluated the extent to which behavior analysts perceived scientifically supported treatments (e.g., ABA) and non‐scientifically supported treatments as population‐specific or as comprehensively applicable across populations. Behavior analysts (N = 876) completed an online survey which indicated that approximately 3/4 of behavior analysts reported ABA as comprehensively effective for all people. Treatments without scientific support also were ranked more often or as effective as ABA for specific populations (i.e., intellectual and developmental disabilities, autism, severe behavior problems, adults, and children). Results indicated a continuing need to emphasize the education and requirements of radical behaviorism as the scientific foundations of ABA.     

家庭经济压力与青少年抑郁:歧视知觉和亲子依恋的作用

对703名初中生(平均年龄14.30岁)进行问卷调查, 探讨了青少年歧视知觉、亲子依恋在家庭经济压力与青少年抑郁关系中的中介和调节作用。结果表明:(1)在控制了性别、年级后, 家庭经济压力对青少年抑郁具有显著的正向预测作用;(2)在家庭经济压力对抑郁的正向预测关系中, 歧视知觉起中介作用;(3)家庭经济压力通过歧视知觉对抑郁的中介作用受到亲子依恋的调节, 相对于亲子依恋水平较高的青少年, 中介效应仅在亲子依恋水平较低的青少年中显著。     

Influence of Generational Status and Financial Stress on Academic and Career Self‐Efficacy

The importance of a college degree is underscored by higher unemployment rates of individuals who have not completed college (Bureau of Labor Statistics, 2014 ). Academic and career self‐efficacy influence students' completion of college, and 1st‐generation college students and those under financial strain may experience decreased self‐efficacy (Wohlgemuth et al., 2007 ). Participants in this study (N = 383) were college students at a 4‐year university. Results from a 2 × 3 multivariate analysis of variance and discriminant function analysis revealed significant differences in academic and career self‐efficacy based on financial stress, but not generational status.     

中国儒家传统金融伦理思想初探

本文试图探讨儒家的金融伦理思想。文章认为:儒家由人性自利的基础出发,强调金融合理的自然主义立场;由此进一步导出仁义为本的民本主义;智勇兼重的理性精神;礼让为先的合作精神等主要金融伦理原则。这些原则与诚信原则、互利互惠原则、节俭原则等一起构造了中国古代金融伦理体系。我们应该积极有效地从这些资源中吸取养料,在改造发展的原则下为建设适应社会主义市场经济制度的崭新的金融体系而努力。     

Financial aspirations,financial success,and overall life satisfaction: who? and how?

Nickerson et al. (2003, Psychological Science 14, pp. 531–536) demonstrated in a longitudinal study that the negative relation between aspirations for financial success and subjective well-being found by other researchers was mitigated by high household income. The present study first refined the analysis in Nickerson et al. (2003) and then explored two additional issues: (a) who aspires to financial success? and (b) how is financial success achieved? Analysis indicated that individuals with strong financial aspirations are socially inclined, confident, ambitious, politically conservative, traditional, conventional, and relatively less able academically, but not psychologically distressed. Financial success is achieved via the job and, for women only, via marriage. Financial aspirations influence job income both by influencing choice of occupation and by influencing job income within occupation; however, achieving financial success depends on having the personal resources to do so. Women with strong financial aspirations tend to marry for money (or money-making potential) regardless of their work status; men with strong financial aspirations do not.     

“仁者”还是“智者”：第三方惩罚对惩罚者声誉的影响

第三方惩罚会对惩罚者的声誉产生显著影响, 然而就影响的方向而言, 现有文献给出了不同答案。上述问题的一个潜在原因是先前研究未能区分声誉的不同维度以及惩罚的不同动机与形式。通过将温暖-能力双维度结构引入惩罚者的声誉, 实验结果显示, 第三方惩罚从总体上降低了人们对惩罚者在温暖维度上的评价而提高了对其在能力维度上的评价。调节效应分析表明, 动机被归因为集体聚焦的惩罚进一步提升了其对能力的正面作用而减缓了对温暖的负面作用, 并且惩罚者的合作水平越高, 其动机被归因为集体聚焦的程度也越高。针对不同惩罚形式的进一步分析显示, 当惩罚动机被归因为个体聚焦时, 经济惩罚对温暖的负面作用显著高于社会惩罚, 而在集体聚焦的归因下经济惩罚对能力的正面作用显著低于社会惩罚。     

传承动机对金融冒险行为的影响:未来自我连续性的中介

人们普遍拥有“期待不朽、被人铭记”的传承动机, 文章通过4个实验探讨了该动机如何通过未来自我连续性的影响作用于个体的金融冒险行为。实验1发现传承动机能够提升个体对未来自我的连续性感知。实验2在此基础上发现传承动机会弱化个体金融冒险行为(2a), 并且该效应被自我连续性感知中介(2b)。实验3进一步考察个体社会经济地位对上述中介效应的调节, 结果发现上述中介效应只出现在社会经济地位相对较高(vs.较低)的个体身上。     

Financial product sensitivity predicts financial health

Recent research has aimed to understand how people consider financial decisions because they have important consequences for well-being. Yet existing research has largely failed to examine how attitudes and behaviors vary as a function of the specific financial product (e.g., debt type). We ask to what extent people differentiate between similarly categorized financial products (e.g., debt or investment) as a function of their terms (e.g., interest costs and expected returns) and whether such differentiation predicts financial health. Across four studies, we find not only that there are individual differences in attitudes toward similar financial products (e.g., two distinct loans), but also that the extent to which a consumer is averse to high-cost versus low-cost products predicts financial health. This relationship cannot be fully explained by financial literacy, numeracy, or intertemporal discounting. In addition, nudging people toward differentiating between financial products promotes decisions that are aligned with financial health.     

Financial hardship and well-being: a cross-national comparison among the European self-employed

Based on data from the 2004 and 2010 European Social Survey, this multidisciplinary and cross-national comparative study investigates the relationship between financial hardship and subjective well-being among 9,755 self-employed individuals from 31 European countries. It also aims to identify potential mitigating factors in this relationship on both the individual and the country level. Multilevel regression analyses reveal a strong relationship between financial hardship and impaired well-being, explaining about 36% of variance in well-being between conditions (countries and time periods) and 8% of variance between individuals. In other words, economic conditions matter significantly. Additionally, education and social trust act as important buffering factors for individuals, and the relationship between financial hardship and impaired well-being is somewhat weaker for self-employed persons living in countries with a more supportive social policy in the form of unemployment allowance. Entrepreneurs can hence mitigate the consequences of financial hardship by protecting social resources, and policymakers can be advised to invest in education and social security.