本文關(guān)鍵詞：饑餓對跨期選擇的影響　出處：《上海交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 饑餓 跨期選擇 折現(xiàn) 儲蓄與消費 獎勵敏感性

【摘要】：儲蓄和消費作為影響我國經(jīng)濟(jì)發(fā)展的重大問題，一直是研究的熱點。學(xué)者們發(fā)現(xiàn)人們經(jīng)常面臨不同時間點上的選擇：是選擇在近期消費，還是利用儲蓄來留存資金，在遠(yuǎn)期消費；是立即獲得較小的收益，還是在未來獲得較大的收益。針對此類跨越時期的選擇問題，在消費和儲蓄的領(lǐng)域中衍生出了跨期選擇這一理論，來深入研究消費者在不同時間點的選擇之間決策時，所表現(xiàn)出的差異和偏好。 人們進(jìn)行跨期選擇時，其決策并非總是理性的，而是會受到諸多因素的影響。近年來，多見將跨期選擇與具身認(rèn)知理論相結(jié)合，探索消費者自身因素對于決策的影響的相關(guān)研究，已有學(xué)者研究了血糖含量、性刺激等影響因素。本文在前人研究的基礎(chǔ)上，創(chuàng)新性地選擇饑餓作為影響因素，探討了處于不同饑餓程度的人，在金錢收益問題上進(jìn)行跨期選擇時，所呈現(xiàn)出的偏好差異。本文還進(jìn)一步結(jié)合了增強(qiáng)敏感性理論，以獎勵敏感性作為調(diào)節(jié)變量，探究不同敏感性的人群在面臨同樣的饑餓刺激時，跨期選擇行為的差異。 研究發(fā)現(xiàn)：1.強(qiáng)烈的饑餓感會導(dǎo)致消費者在進(jìn)行跨期選擇的過程中，折現(xiàn)率變大，，偏好當(dāng)前收益；2.在受到饑餓感刺激時，獎勵敏感性高的消費者進(jìn)行跨期選擇的折現(xiàn)會較大，更加偏好當(dāng)前收益。 本文的研究結(jié)果將有助于探索中國居民消費儲蓄決策的影響因素，為降低居民儲蓄率，調(diào)節(jié)居民消費行為提出了新的思路，也對銀行、社會保障部門等組織的決策活動有指導(dǎo)意義。
[Abstract]:Savings and consumption as a major issue affecting the economic development of China has been the focus of research. Scholars have found that people often face the choice of different time points: choose to consume in the near future. Or use savings to retain funds and spend in the future; In order to solve the problem of cross-period choice, the theory of intertemporal choice is derived in the field of consumption and savings. In order to study the differences and preferences of consumers' choices in different time points. When people make intertemporal choices, their decisions are not always rational, but influenced by many factors. In recent years, it is more common to combine intertemporal selection with the theory of physical cognition. To explore the influence of consumers' own factors on decision-making, some scholars have studied the influence factors such as blood sugar content, sex stimulation and so on. Based on the previous studies, this paper innovatively chooses hunger as the influencing factor. This paper discusses the preference differences of people with different levels of hunger when they make intertemporal choices on the issue of money returns. Furthermore, this paper combines the theory of enhanced sensitivity with reward sensitivity as a regulating variable. Explore the differences in intertemporal selection behaviors of people with different sensitivities when they are exposed to the same hunger stimuli. The study found that strong hunger results in a higher discount rate and a preference for current returns in the intertemporal selection process; 2.When stimulated by hunger, consumers with high incentive sensitivity will be more discounted by intertemporal selection and prefer current returns. The research results of this paper will be helpful to explore the influencing factors of Chinese residents' consumption and savings decision-making, to reduce the residents' savings rate and to regulate the residents' consumption behavior, and also to the banks. The decision-making activities of social security departments and other organizations are of guiding significance.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F126

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