Learning-related human brain activations reflecting individual finances
Learning-related human brain activations reflecting individual finances
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DOI：
10.1016/j.neuron.2007.03.004
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发表时间：
2007-04-05
期刊：
影响因子：
16.2
通讯作者：
Schultz, Wolfram
中科院分区：
文献类型：
--
作者：
Tobler, Philippe N.;Fletcher, Paul C.;Schultz, Wolfram
微观经济学的一个基本原则表明，金融收益的主观价值随着个人资产的增加而减少（“边际效用”）。利用学习理论和微观经济学的概念，我们评估了不同金融背景的参与者在奖励预测学习过程中，金钱奖励引发行为和神经元变化的能力。无论受教育程度和年龄，习得和消失过程中的行为学习速度都与参与者的资产呈负相关。相应的，随着资产和收入的增加，中脑和纹状体在获得和消失过程中的反应变化都变慢。相比之下，学习后行为和神经元反应的渐近幅度与个人财务无关。行为和神经元学习速度与个人财务状况的反比关系符合边际效用随财富增加而减少的一般概念。
A basic tenet of microeconomics suggests that the subjective value of financial gains decreases with increasing assets of individuals ("marginal utility"). Using concepts from learning theory and microeconomics, we assessed the capacity of financial rewards to elicit behavioral and neuronal changes during reward-predictive learning in participants with different financial backgrounds. Behavioral learning speed during both acquisition and extinction correlated negatively with the assets of the participants, irrespective of education and age. Correspondingly, response changes in midbrain and striatum measured with functional magnetic resonance imaging were slower during both acquisition and extinction with increasing assets and income of the participants. By contrast, asymptotic magnitudes of behavioral and neuronal responses after learning were unrelated to personal finances. The inverse relationship of behavioral and neuronal learning speed with personal finances is compatible with the general concept of decreasing marginal utility with increasing wealth.