货币幻觉的心理机制与影响因素

货币幻觉是指经济交易活动中,人们因倾向于以货币的名义价值而非实际价值思考而对其消费和投资行为造成影响的一种认知偏差。大量研究表明,货币幻觉普遍存在于房地产投资、股票投资、组织管理以及捐赠等领域中。目前,研究者主要从决策框架、锚定与调整启发式、数目启发式以及神经心理机制这四个方面解释货币幻觉的形成机制。研究发现,货币幻觉的影响因素有心境、货币兑换率、通货膨胀率、情感依恋和先前经验。未来的研究可以从深入探讨货币幻觉的心理机制、影响因素和探索货币幻觉的应对策略这三个方面展开。     

Distributive justice in marriage: Equality or equity?

Experimental studies of distributive justice suggest that men prefer an equity rule for allocating rewards, whereas women prefer equality. These differences are likely to carry implications for distributive justice in the context of marriage. There is a popular view in Western societies that marriage should be regarded as a partnership of equals, and this is also an implicit assumption in microeconomic accounts of the family. However, inequality between spouses is still commonplace, with the husband more likely to have overall financial control and greater access to money for personal spending (PSM). This paper investigates the issue of sharing in marriage, with particular reference to PSM, using data from an in-depth interview study supplemented by some follow-up questionnaires. The participants were 13 women and nine of their partners, mainly ‘middle class’ and aged between 30 and 50. After classifying each couple's system of financial management, the paper focuses upon eight couples with a philosophy of sharing. The findings show that, despite attempts to equalize outcomes for both partners, a sense of ‘ownership’ associated with having earned the money seemed to render it more salient than other, non-financial contributions to the marriage. As a result, patterns of control and personal spending appeared to be based upon equity rather than equality.     

A behavioral economic analysis of concurrently available money and cigarettes.

In economic terms, consumption of a reinforcer is determined by its price and the availability and price of other reinforcers. This study examined the effects of response-requirement (i.e., price) manipulations on the self-administration of two concurrently available reinforcers. Six cigarette smokers participated in 4-hr sessions in which money and puffs on a cigarette were concurrently available according to fixed-ratio schedules of reinforcement. Once stable responding was obtained with both reinforcers available at Fixed Ratio 100, the response requirement for one reinforcer was systematically varied (Fixed Ratio 1,000 and 2,500), while the other reinforcer remained scheduled at Fixed Ratio 100. Increasing the fixed-ratio size for a reinforcer decreased its consumption, with a greater decrease occurring for monetary reinforcement. This finding was quantified in economic terms as own-price elasticity, with elasticity coefficients greater for money than cigarettes. The effects of fixed-ratio size on response output also differed across the two reinforcers. Although greater responding occurred for money at Fixed Ratio 100, increases in fixed-ratio size (for money) decreased responding for money, whereas the same increase in fixed-ratio size (for puffs) increased responding for puffs. Finally, increasing the fixed-ratio size for one reinforcer had little effect on consumption of the other concurrently available reinforcer. This finding was quantified as cross-price elasticity, with elasticity coefficients near 0.0 for most subjects, indicating little or no reinforcer interaction. The results indicate that the reinforcing effects of cigarettes and money in the setting studied here differed, and that the effects produced by changing the price of one reinforcer did not interact with the consumption of the other concurrently available reinforcer.     

An unintended consequence of social distance regulations: COVID-19 social distancing promotes the desire for money

Social distance regulations have been widely adopted during the global COVID-19 pandemic. From an evolutionary perspective, social connection and money are interchangeable subsistence resources for human survival. The substitutability principle of human motivation posits that scarcity in one domain (e.g., social connection) could motivate people to acquire or maintain resources in another domain (e.g., money). Two experiments were conducted to test the possibility that COVID-19 social distancing enhances the desire for money. Results showed that compared with controls, participants receiving social distancing primes (via recollection of experiences of social distancing or a Chinese glossary-search task) offered less money in the dictator game, showed lower willingness towards charitable donation (Experiment 1; N = 102), donated less money to a student fund, and rated money as having more importance (Experiment 2; N = 140). Our findings have far-reaching implications for financial decisions, charitable donations, and prosociality during and after the COVID-19 pandemic.     

Personal Income and Subjective Well-being: A Review

Conventional wisdom holds that money has little relevance to happiness. This review will demonstrate quite the opposite is true and will argue that case using the Homeostatic Theory of Subjective Well-Being (SWB). Homeostatic theory proposes that SWB is held within a narrow range determined by personality. Experience with the environment also impacts on this system but its influence is attenuated by two sets of buffers. The internal buffers comprise beliefs in perceived control, self-esteem, and optimism. The external buffers comprise resources, such as personal assistance, that ameliorate the impact of potentially negative events. This model predicts significantly different levels of SWB for people who are rich, people on average Western incomes, and people who are poor. Data are provided that support this prediction. It is concluded that money buys happiness to the extent that external resources permit optimal functioning of the SWB homeostatic system.     

金钱概念启动对亲社会行为的影响及其决策机制

金钱是一种重要的资源, 也是人们日常生活中非常熟悉的概念。国内外有关实证研究发现, 启动金钱概念会诱发自足感、经济型心理定势、自由市场的价值观以及利己自我图式(社会认知模型), 从而导致亲社会行为减少。文章探讨了金钱概念启动对利他性亲社会行为、遵规与公益性亲社会行为、关系性亲社会行为和特质性亲社会行为的影响。未来的研究应该进一步关注：(1)金钱概念启动在组织管理中的研究; (2)贫富差异在金钱概念启动与亲社会行为关系中的调节效应; (3)深化时间概念启动影响亲社会行为的研究; (4)金钱概念启动影响亲社会行为的神经机制研究。     

On the Relation between Institutional Statuses and Technical Artifacts: A Proposed Taxonomy of Social Kinds

Technical artifacts do not seem particularly continuous with institutional statuses. If statuses are defined in terms of their constitutive rules, as Searle maintains, then disassociation is always possible – someone or something can satisfy those rules without being able to realize the functional effects that are associated with that status. The gap between technical artifacts and Searlean statuses suggests the possibility of an additional social kind, which I call, following Muhammad Ali Khalidi, a ‘real social kind’. However, the placement of real social kinds between technical artifacts and statuses recommends a reconfiguration of Khalidi’s most abstract characterization of the notion. This reconfiguration also lends support to his surprising claim that money is a real social kind.     

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.     

社会拥挤对金钱捐赠意愿的影响：自我表达需要的中介作用

通过四个实验（474名被试）,采用三种不同的刺激物操纵拥挤感,在三种不同情境下测量两类金钱捐赠行为,来探索拥挤感对金钱捐赠的影响。结果发现：拥挤感强（vs. 弱）的被试有更高的金钱捐赠意愿、更高的月度和年度捐赠金额;其中个体的自我表达需要发挥中介作用,即体验到强拥挤感的个体的自我表达需要更强,为了满足这一需要,更积极响应金钱捐赠的呼吁。     

金钱的社会资源理论:十年回顾与展望

金钱具有强大的象征力量。Zhou等人在2008年提出了一个金钱的社会资源理论,用以解释金钱对个体行为的负面影响。这个理论认为金钱可以替代社会关系作为个体安全感和痛苦的核心来源。金钱能增强个体的力量和效能感,进而缓解个体的社会疼痛和生理疼痛。金钱替代社会关系之后,就会对个体产生一些负面影响。该理论以及其支撑的实证研究在10年间共被引用718次(Google Scholar)。本文回顾了这个理论以及依托在这个理论之上的新的实证证据,并对这个理论进行了延伸和展望。