饥饿对跨期选择的影响

发布时间：2018-01-12 23:02

本文关键词：饥饿对跨期选择的影响　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：储蓄和消费作为影响我国经济发展的重大问题，一直是研究的热点。学者们发现人们经常面临不同时间点上的选择：是选择在近期消费，还是利用储蓄来留存资金，在远期消费；是立即获得较小的收益，还是在未来获得较大的收益。针对此类跨越时期的选择问题，在消费和储蓄的领域中衍生出了跨期选择这一理论，来深入研究消费者在不同时间点的选择之间决策时，所表现出的差异和偏好。人们进行跨期选择时，其决策并非总是理性的，而是会受到诸多因素的影响。近年来，多见将跨期选择与具身认知理论相结合，探索消费者自身因素对于决策的影响的相关研究，已有学者研究了血糖含量、性刺激等影响因素。本文在前人研究的基础上，创新性地选择饥饿作为影响因素，探讨了处于不同饥饿程度的人，在金钱收益问题上进行跨期选择时，所呈现出的偏好差异。本文还进一步结合了增强敏感性理论，以奖励敏感性作为调节变量，探究不同敏感性的人群在面临同样的饥饿刺激时，跨期选择行为的差异。研究发现：1.强烈的饥饿感会导致消费者在进行跨期选择的过程中，折现率变大，，偏好当前收益；2.在受到饥饿感刺激时，奖励敏感性高的消费者进行跨期选择的折现会较大，更加偏好当前收益。本文的研究结果将有助于探索中国居民消费储蓄决策的影响因素，为降低居民储蓄率，调节居民消费行为提出了新的思路，也对银行、社会保障部门等组织的决策活动有指导意义。
[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.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F126

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