Poverty leads to the desire to change, and wealth leads to the desire for stability: The impact of perceived money scarcity and abundance on individual risk decision-making

Abstract

摘要： 金钱作为可以满足人们物质与精神需求的重要资源, 与每个人密切相关。认为自己是“穷”还是“富”会对风险决策产生影响吗? 目前, 从相对层面探究金钱稀缺(富足)感知对风险决策影响的研究非常有限, 金钱稀缺(富足)感知影响风险决策的心理机制尚不明确。本研究以解构金钱稀缺感知与金钱富足感知的生理和心理维度为基础, 开发金钱稀缺与金钱富足感知量表, 界定金钱稀缺情绪和金钱富足情绪; 通过实验室和现场实验、跨时追踪的实证研究和眼动行为实验, 揭示金钱稀缺(富足)感知对个体风险决策(风险感知、预期收益、风险选择)的影响; 从心理机制层面, 构建和阐明不同金钱感知情境下金钱稀缺与富足感知影响风险决策的认知机制(认知偏差、认知反思、执行控制的中介作用)与情绪机制(特定金钱稀缺情绪与金钱富足情绪的中介作用)。

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