[1] | 董克用, 姚余栋 . (2017). 养老金融蓝皮书: 中国养老金融发展报告( 2017). 北京: 社会科学文献出版社. | [2] | Gigerenzer G., 栾胜华, 刘永芳 . ( 2019). 人非理性且难教化? 论支持自由家长主义的证据. 心理学报, 51( 4), 395-406. | [3] | 理查德·塞勒 . (2016).“错误的行为” (王晋译). 北京: 中信出版社. | [4] | 李纾 . ( 2016 a). 既非“胡萝卜”也非“大棒”: 助推社会发展的一条新捷径. 管理视野, ( 7), 92-96. | [5] | 李纾 . ( 2016b). 决策心理:齐当别之道. 上海: 华东师范大学出版社. | [6] | 李纾 . ( 2017). 如何提高员工的养老金储蓄率? 管理视野, 12月, 88-92. | [7] | 刘欢, 梁竹苑, 李纾 . ( 2009). 得失程数的变化: 损失规避现象的新视点. 心理学报, 41( 12), 1123-1132. | [8] | 门杰丹, 张扬 . ( 2011. 男子中奖180万元难填欲壑, 挪用495万公款博彩. 2018-04-04取自 | [9] | 人力资源和社会保障部. ( 2017. 2017年前三季度人力资源和社会保障统计数据. 2018-03-29 取自 2017). 2017年前三季度人力资源和社会保障统计数据. 2018-03-29 取自 | [10] | 孙涛, 黄少安 . ( 2010). 非正规制度影响下中国居民储蓄、消费和代际支持的实证研究——兼论儒家文化背景下养老制度安排的选择. 经济研究, ( s1), 51-61. | [11] | 王增勤 . ( 2005). 博彩中奖后的毁灭. 检察风云, 4, 64-65. | [12] | 杨燕绥, 闫俊, 刘方涛 . ( 2012). 中国延税型养老储蓄政策的路径选择. 武汉金融, ( 8), 8-11. | [13] | 赵学农 . ( 2017). 个人商业养老保险市场分析与选择. 上海立信会计金融学院学报, ( 6), 50-55. | [14] | 中华人民共和国国家统计局. (主编).( 2017). 中国统计年鉴2017. 北京: 中国统计出版社. | [15] | Benartzi S., Beshears J., Milkman K. L., Sunstein C. R., Thaler R. H., Shankar M., .. Galing S . ( 2017). Should governments invest more in nudging? Psychological Science, 28( 8), 1041-1055. | [16] | Benartzi S., & Thaler R.H . ( 2013). Behavioral economics and the retirement savings crisis. Science, 339( 6124), 1152-1153. | [17] | Benartzi S., & Thaler R.H . ( 2007). Heuristics and biases in retirement savings behavior. Journal of Economic Perspectives, 21( 3), 81-104. | [18] | Beshears J. L., Choi J. J., Laibson D.& Madrian B. C.. , ( 2006) . The importance of default options for retirement savings outcomes: Evidence from the united states. In B J Jeffery, J B Liebman, & D A Wise (Eds), Social security policy in a changing environment . (pp. 167-195). Chicago: University of Chicago Press. | [19] | Beshears J., Choi J. J., Laibson D., & Madrian B. C . ( 2013). Simplification and saving. Journal of Economic Behavior and Organization, 95, 130-145. | [20] | Beshears J., Choi J. J., Laibson D., Madrian B. C., & Milkman K. L . ( 2015). The effect of providing peer information on retirement savings decisions. Journal of Finance, 70( 3), 1161-1201. | [21] | Carroll G. D., Choi J. J., Laibson D., Madrian B. C., & Metrick A . ( 2009). Optimal defaults and active decisions. The Quarterly Journal of Economics, 124( 4), 1639-1674. | [22] | Chetty R., Friedman J. N., Leth-Petersen S., Nielsen T. H., & Olsen T . ( 2014). Active vs. passive decisions and crowd-out in retirement savings accounts: Evidence from Denmark. The Quarterly Journal of Economics, 129( 3), 1141-1219. | [23] | Choi J. J., Laibson D., & Madrian B. C . ( 2004). Plan design and 401(k) savings outcomes. SSRN Electronic Journal, 57( 2), 275-298. | [24] | Choi J. J., Laibson D. & Madrian B. C.. , ( 2009) . Reducing the complexity costs of 401(k) participation: The case of quick enrollment. In D. A. Wise, (Ed.), Developments in the economics of aging (pp. 57-82). Chicago: University of Chicago Press. | [25] | Duflo E., Gale W., Liebman J., Orszag P., & Saez E . ( 2007). Savings incentives for low-and moderate-income families in the united states: Why is the saver’s credit not more effective? Journal of the European Economic Association, 5( 2-3), 647-661. | [26] | Duflo E. & Saez E., ( 2002). Participation and investment decisions in a retirement plan: The influence of colleagues’ choices. Journal of Public Economics, 85( 1), 121-148. | [27] | Duflo E. & Saez E., ( 2003). The role of information and social interactions in retirement plan decisions: Evidence from a randomized experiment. Quarterly Journal of Economics, 118( 3), 815-842. | [28] | Dugas C. , ( 2002, July 19). Retirement crisis looms as many come up short. USA Today. | [29] | Ersner-Hershfield H., Garton M. T., Ballard K., Samanez-larkin G. R., & Knutson B . ( 2009). Don’t stop thinking about tomorrow: Individual differences in future self-continuity account for saving. Judgment and Decision Making, 4( 4), 280-286. | [30] | Gilovich T., Griffin D.& Kahneman D.. ,( 2002) . Heuristics and biases: The psychology of intuitive judgment . New York, NY, US: Cambridge University Press. | [31] | Gilovich T Gov. uk. ( 2008). National Employment Savings Trust (NEST). Retrieved April 4, 2018, from | [32] | Hershfield H.E . ( 2011). Future self-continuity: How conceptions of the future self transform intertemporal choice. Annals of the New York Academy of Sciences, 1235, 30-43. | [33] | Hershfield H. E., Goldstein D. G., Sharpe W. F., Fox J., Yeykelis L., Carstensen L. L., & Bailenson J. N . ( 2011). Increasing saving behavior through age-progressed renderings of the future self. Journal of Marketing Research, 48( 1), S23-S37. | [34] | ICI.ORG. ( 2015. “2015 Investment Company Fact Book——A review of trends and activities in the US. Investment Company Industry”. Retrieved June 10, 2018, from | [35] | Kahneman D. & Tversky A., ( 1979). Prospect theory: An analysis of decision making under risk. Econometrica, 47( 2), 263-291. | [36] | L?ckenhoff C. E., De Fruyt F., Terracciano A., McCrae R. R., De Bolle M., Costa P. T., .. Yik M . ( 2009). Perceptions of aging across 26 cultures and their culture-level associates. Psychology and Aging, 24( 4), 941-954. | [37] | Madrian B.C., & Shea D.F . ( 2001). The power of suggestion: Inertia in 401(k) participation and savings behavior. The Quarterly Journal of Economics, 116( 4), 1149-1187. | [38] | Munnell A., Webb A., & Delorme L . ( 2006). Retirements at risk: A new national retirement risk index. Boston College Center for Retirement Research, June. | [39] | New Zealand Government. ( 2007. Retirement saving made easy. Retrieved April 4, 2018, from | [40] | Rebonato R.. ( 2012). Taking liberties: A critical examination of Libertarian paternalism. Basingstoke, UK:Palgrave Macmillan. | [41] | Skinner J.. ( 2007). Are you sure you’re saving enough for retirement? Journal of Economic Perspectives, 21( 3), 59-80. | [42] | Thaler R.H . ( 1994). Psychology and savings policies. American Economic Review, 84( 2), 186-192. | [43] | Thaler R.H., & Benartzi S. , ( 2004). Save more tomorrow?: Using behavioral economics to increase employee saving. Journal of Political Economy, 112( S1), S164-S187. | [44] | The Royal Swedish Academy of Sciences. ( 2017). Press release: The prize in economic sciences 2017.. Retrieved March 19, 2018, from | [45] | Wechsler H., Nelson T. E., Lee J. E., Seibring M., Lewis C., & Keeling R. P . ( 2003). Perception and reality: A national evaluation of social norms marketing interventions to reduce college students’ heavy alcohol use. Journal of Studies on Alcohol, 64( 4), 484-494. |
|