本文選題：行為經(jīng)濟(jì)學(xué) + 非理性行為��； 參考：《湖湘論壇》2017年01期

【摘要】：行為經(jīng)濟(jì)學(xué)研究證明,人類并不總是基于完全理性做出最優(yōu)決策,他們經(jīng)常會(huì)受心理、生理、社會(huì)影響做出錯(cuò)誤決策。要有效落實(shí)銀監(jiān)會(huì)頒布的《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)業(yè)務(wù)活動(dòng)管理暫行辦法》中對(duì)P2P網(wǎng)絡(luò)借貸投資人(出借人)保護(hù)規(guī)定,必須運(yùn)用行為經(jīng)濟(jì)學(xué)原理設(shè)計(jì)輕推措施,以促成P2P網(wǎng)絡(luò)借貸投資人保護(hù)機(jī)制的實(shí)現(xiàn)。在合格出借人判斷上,宜采用合格出借人評(píng)估問(wèn)卷方式,合理選擇默認(rèn)選項(xiàng)和便利選項(xiàng)安排;在網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)信息披露上,要實(shí)行要點(diǎn)披露和全面披露,同時(shí)對(duì)影響投資人決策的關(guān)鍵信息進(jìn)行突顯設(shè)計(jì),對(duì)容易混淆的信息采取糾偏措施。對(duì)出借金額達(dá)到一定標(biāo)準(zhǔn)的投資人設(shè)立冷靜期制度,以促成投資人最優(yōu)決策。
[Abstract]:Behavioral economics studies show that human beings do not always make optimal decisions based on complete rationality. They often make wrong decisions under the influence of psychology, physiology and society.In order to effectively implement the regulations on the Protection of P2P Network Lending investors (lenders) in the interim measures on the Management of the Business activities of Network Lending Information intermediaries promulgated by the CBRC, we must apply the principles of behavioral economics to design and push measures.In order to facilitate P2P network lending investor protection mechanism to achieve.In the judgment of qualified lenders, it is advisable to adopt the method of qualified lender evaluation questionnaire, reasonably choose the default option and convenient option arrangement, and implement the key points disclosure and full disclosure in the information disclosure of online lending information intermediary institutions.At the same time, the key information that affects investor decision is highlighted, and the easily confused information is corrected.A cooling-off period system is established for investors whose loan amount has reached a certain standard to facilitate the investors' optimal decision.
【作者單位】： 重慶理工大學(xué);
【分類號(hào)】：F832.4;F724.6

【相似文獻(xiàn)】

相關(guān)期刊論文 前5條

1 聶志紅;;毒品走私的行為經(jīng)濟(jì)學(xué)初探[J];當(dāng)代經(jīng)濟(jì);2008年09期

2 解平;陳清;;“后經(jīng)濟(jì)危機(jī)時(shí)代”基于行為經(jīng)濟(jì)學(xué)的中國(guó)消費(fèi)者消費(fèi)行為研究[J];江蘇商論;2010年09期

3 徐秀葉,魯立,范煒;網(wǎng)上購(gòu)物消費(fèi)行為經(jīng)濟(jì)學(xué)分析[J];企業(yè)經(jīng)濟(jì);2002年09期

4 吳曉兵;價(jià)格波動(dòng)中的理性與非理性問(wèn)題[J];宿州師專學(xué)報(bào);2003年01期

5 ;[J];;年期

相關(guān)碩士學(xué)位論文 前1條

1 蔣曉婧;基于行為經(jīng)濟(jì)學(xué)視角的干旱內(nèi)陸區(qū)農(nóng)戶灌溉水價(jià)承受能力分析[D];甘肅農(nóng)業(yè)大學(xué);2014年

，

本文編號(hào)：1736546