选择与坚持:跨期选择与延迟满足之比较

做出选择与坚持选择是决策活动的两个重要阶段。跨期选择源于经济学领域对成人对发生在不同时间点的结果"做出选择"过程的研究;延迟满足则源于心理学领域对儿童为获得未来较大收益而抵制当前诱惑的"坚持选择"过程的研究。二者均致力于研究与时间相关的决策活动,从不同视角关注个体的冲动性与自我控制,但鲜见学者对二者异同的系统比较。本文着重从研究方法、认知机制与神经基础入手探讨了二者的异同,冀为两个研究领域协同发展、共同促进人类远见的培养与实践提供科学的理论支持。     

初中生学业延迟满足的发展特点及其相关因素研究

用问卷法对194名初中生学业延迟满足的特点及相关因素进行了研究。结果表明:初中学生的学业延迟满足存在年级和性别差异,初二和初三学生的学业延迟满足水平明显低于初一学生,女生比男生的学业延迟满足能力高。课堂目标结构与学业延迟满足有显著关系,任务取向的课堂目标与学业延迟满足呈正相关关系;自我取向的课堂目标与学业延迟满足呈负相关关系。任务价值、自我效能与学业延迟满足呈正相关关系,学业延迟满足与学业成绩呈正相关关系。     

Financial capability,money attitudes and socioeconomic status: Risks for experiencing adverse financial events

The risk of experiencing adverse financial events (e.g. bankruptcy) depends on the world economy and on individual differences in financial and psychological variables. Analysing data from 109,472 British survey respondents, this study reports the risks associated with financial capabilities, money attitudes, and socio-economic status for suffering negative financial outcomes. The results show that (1) socio-economic status is associated with financial capabilities but not with money attitudes; (2) money attitudes and financial capabilities are largely independent; (3) money attitudes and financial capabilities each contribute independently to the risk of experiencing adverse financial outcomes, even after adjusting for socio-economic status; and (4) financial capabilities are greater risk factors of adverse financial outcomes than money attitudes; the latter, however, are likely to be promising targets for interventions.     

The Consequences and Correction of Inflation in Personal Savings Estimates in Specific Future Time Frames

We examined the consequences of personal savings estimate inflation that occurs when decision makers provide savings estimates for specific future months when compared with the next month or the next year time frames, along with a method to attenuate this bias. The results of three experiments showed that the savings estimate inflation leads to significantly larger estimates of desired nest egg size (Experiment 1) and preference for riskier choices in other financial domains such as investment and employment decisions (Experiment 2). An attempt to attenuate this bias revealed that it is corrected when individuals provide a budgeting estimate prior to giving a savings estimate (Experiment 3). The theoretical and practical implications of the findings are discussed. Copyright © 2012 John Wiley & Sons, Ltd.     

延迟满足情境中2岁儿童对行为的自我控制能力和延迟策略的使用

以2岁儿童为被试,探讨其在延迟满足情境中的自我控制能力发展的状况。结果表明:(1)2岁儿童已具有一定程度的自我控制能力,个体差异显著,性别差异不显著;(2)2岁儿童已能使用一定的延迟策略,包括问题解决、分心、寻求安慰、消极等待、寻求他人帮助、回避等,其中使用频率最高的是分心策略;(3)不同的策略对延迟时间有着不同的影响;(4)儿童对策略的使用不会因延迟满足情境的不同而出现显著差异。     

The impact of the crisis on the Orthodox Church of Greece: a moment of challenge and opportunity?

This article explores the impact of the economic crisis on the Orthodox Church of Greece (OCG). The first three parts of the article set the current stage by offering a short overview of the crisis and the response of the OCG through its charitable social welfare activities. The fourth part looks at church–state relations in Greece, covering more particularly its financial aspects. The fifth and final part discusses how the economic crisis has affected the OCG itself, including its own finances and governance, and sustainability and mission in the long term. Although the OCG provides social assistance to the Greek population during the economic crisis, it also finds itself very much affected by the same crisis. The economic crisis has forced the OCG to reduce its operating costs while at the same time continue its extensive social work. The crisis has also prompted public debates and questions about the finances of the OCG. This situation may gradually force either the Greek state or the OCG, or perhaps both, to rethink their relationship in the future.     

Blame Game and Rotten Apples in Private Investigation Reports: The Case of Hadeland and Ringerike Broadband in Norway

Blame game is a term often used to describe a phenomenon that happens in groups of people when something goes wrong. The blame game hypothesis postulates that private investigators may be misled in their search for suspects and that suspected individuals do not necessarily become subject to a fair investigation by financial crime specialists and fraud examiners. The rotten apple hypothesis postulates that it is comforting to assume that one bad apple within an organisation is essentially responsible for the crime that is all too prevalent. The rotten apple view of white‐collar crime is a comfortable perspective to apply to business and public organisations as it allows them to look no further than suspect a single individual. Based on a case study of the Norwegian company Hadeland and Ringerike Broadband, this paper discusses blame game and rotten apple issues in an internal investigation report written by an external financial crime specialist. The study finds support for both hypotheses, as blame is mainly isolated to the criminal and his superior, and both board and top management are protected from scrutiny. Copyright © 2015 John Wiley & Sons, Ltd.     

For richer,for poorer: Financial behaviors,power (im)balance,and relational aggression among different-gender newlyweds in the U.S.

Guided by an intersectional feminism framework, we used three-wave, dyadic survey data from a nationally representative sample of 1625 U.S. different-gender newlywed couples to test three research questions. First, as balanced power is considered a key concept for relational well-being in feminism, we examined developmental trajectories in husbands' and wives' perception of power (im)balance. Second, considering money as a major influence on power and aggression, we examined how financial behaviors relate to power (im)balance and in turn relational aggression—a type of intimate partner violence that is controlling and manipulative in nature. Third, informed by the intersectionality between gender and socioeconomic status (SES), we examined gender differences and SES disparities in the associations among financial behaviors, developmental trajectories of perception of power (im)balance, and relational aggression. Our findings demonstrate that newlywed different-gender couples are experiencing power struggles, where two partners diminish each other's influence over time. We also found that healthy financial behaviors are associated with balanced power and, in turn, less relational aggression (especially for wives and in lower-SES households). Taken collectively, we continue calling for efforts to facilitate money management skills and promote balanced marital power.     

揭秘经济管理中的行为异象：心理账户理论的应用启示

2017年Richard H. Thaler获得诺贝尔经济学奖, 其重要的研究贡献之一是催生并发展了心理账户理论。心理账户理论被广泛用于解释经济管理中的行为异象。文章以消费决策、金融管理决策两大领域的应用研究为外在逻辑, 以心理账户的设立、运算和关闭过程的特点为内在逻辑, 重点探讨了消费决策中的“标签效应”、“预算效应”、“价格幻觉”、“解耦效应”和“效用偏差”; 金融管理决策中的“粘蝇纸效应”、“薪酬感知之谜”、“税收-投资之谜”、“会计信息披露之谜”和“处置效应”十大行为异象。文章进一步提出未来可能的两个研究方向, 一是通过眼动技术和认知神经科学方法揭示心理账户影响行为决策的内在过程及神经机制; 二是将心理账户理论应用于“以小拨大”的行为助推, 助力政府公共管理和企业管理决策。