决策思维模式与风险偏好对风险决策的影响研究

Effects of Decision Thinking Model and Risk Preference on Risk Decision-Making

摘要: 近年来，随着行为经济学研究的不断深入，风险决策问题成为一个跨学科的研究领域，得到学者们的高度重视，并进行了一系列有价值的研究。本研究首先根据风险偏好问卷数据筛选出贵州4所高校的在校大学生被试80名，其中风险回避组40名，风险追求组40名，然后分别进入不同思维模式下的风险决策任务，结果显示：(1) 大学生风险偏好总体得分偏高，大学生群体在决策时更倾向于风险的追求。(2) 决策思维模式对大学生风险决策行为的影响并不显著；风险偏好显著影响着大学生的风险决策行为。(3) 风险回避型大学生在分析思维模式下的决策行为更为冒险，在直觉思维模式下偏向于保守；而风险追求型则相反，在分析思维模式下偏向保守，在直觉思维模式下偏向冒险。

Abstract: In recent years, with the deepening of the research of behavioral economics, risk decision making problems become an interdisciplinary field of study, which is highly appreciated by scholars, and scholars conducted a series of valuable researches. This study first selected 80 participants from four universities in Guizhou province according to the risk preference questionnaire data, including 40 participants in risk aversion group, 40 participants in risk seeking group. Then they entered respectively into different thinking modes of risk decision-making tasks, and the results showed that: First, the university students overall score high risk preference, and the university student groups tend to be more risk seeking in decision-making. Second, there is no significant influence on university students’ risk decision-making behavior, and risk preference significantly affects the risk decision behavior of university students. Third, risk aversion type university students are more adventurous on the analysis of the thinking mode of decision-making behavior, which tends to be conservative in intuition thinking mode. However, risk seeking type university students tend to be conservative on the analysis of thinking mode, and they tend to adventure in the intuition thinking mode.