心理学报 ›› 2024, Vol. 56 ›› Issue (6): 799-813.doi: 10.3724/SP.J.1041.2024.00799
辛自强1, 王鲁晓1, 李越2
收稿日期:
2022-11-25
发布日期:
2024-04-08
出版日期:
2024-06-25
通讯作者:
辛自强, E-mail: xinziqiang@sohu.com
基金资助:
XIN Ziqiang1, WANG Luxiao1, LI Yue2
Received:
2022-11-25
Online:
2024-04-08
Published:
2024-06-25
摘要: 以往的基金研究多从专业的角度构建复杂的决策模型, 难以直接被普通基金投资者所理解和应用。为了引导众多的基金投资新手正确理财, 我们引入“老手-新手”比较范式探寻二者投资决策时的信息加工过程差异, 并探讨如何对新手予以干预以提升其决策质量。研究1通过Mouselab技术收集信息加工过程数据, 发现在基金信息搜索和加工过程中, 老手比新手更倾向于基于属性的信息搜索模式, 信息加工的补偿性更低; 基于属性的信息搜索模式有利于决策质量, 但这一结果仅在新手中存在, 这可能在于老手的信息搜索模式较为稳定, 其变异性难以为决策质量提供解释。由于现有的理财客户端的页面呈现方式使得投资新手难以使用基于属性的信息搜索模式, 研究2向被试提供表格纸来帮助他们进行结构化加工, 以降低基于属性进行搜索的难度, 结果发现结构化加工组被试的决策质量高于控制组。上述结果反映了老手和新手基金投资决策的信息加工特征, 为改进新手理财决策提供了干预思路。
辛自强, 王鲁晓, 李越. (2024). 基金投资决策中老手与新手的信息加工差异及干预. 心理学报, 56(6), 799-813.
XIN Ziqiang, WANG Luxiao, LI Yue. (2024). Differences in information processing between experienced investors and novices, and intervention in fund investment decision-making. Acta Psychologica Sinica, 56(6), 799-813.
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