Framing and Labeling Effects in Preferences for Borrowing for College: An Experimental Analysis
Framing and Labeling Effects in Preferences for Borrowing for College: An Experimental Analysis
复制标题
大学借款偏好中的框架和标签效应：实验分析
DOI：
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发表时间：
2018
影响因子：
2.1
通讯作者：
A. Soliz
中科院分区：
文献类型：
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作者：
Brent J. Evans;Angela Boatman;A. Soliz
来自行为经济学的证据表明，选择的框架和标签会影响财务决策。通过对6000多名高三学生、社区大学生和没有大学学历的成年人进行的随机对照试验，我们确定了框架效应和标签效应在受访者对高等教育借款偏好中的存在。财务对等合同的制定方式改变了高中生和社区大学学生的偏好。此外，简单地将一份合同贴上“贷款”的标签，就会将在这些样本中选择该选项的可能性降低8-11个百分点。这些影响在黑人高中受访者以及西班牙裔高中和社区大学受访者中更加明显，他们都是白人受访者的两倍，当贷款选项被标记为“贷款”时，他们避免贷款选项的可能性是白人受访者的两倍。最后，我们提供了提示性证据，表明这种标签效应是由更多厌恶风险的受访者驱动的。我们的发现表明，联邦政府、各州和机构在提供和解释高等教育财政援助方案时，应该注意所使用的语言。
Evidence from behavioral economics suggests that the framing and labeling of choices affect financial decisions. Through a randomized control trial of over six thousand high school seniors, community college students, and adults without a college degree, we identify the existence of both framing and labeling effects in respondents’ preferences for borrowing for postsecondary education. How financially equivalent contracts are framed alters the preferences of high school and community college students. Furthermore, simply labeling a contract a “loan” reduces the likelihood of selecting that option by 8–11 percentage points among those samples. These effects are more pronounced among Black high school respondents and Hispanic high school and community college respondents who are both twice as likely as White respondents to avoid the loan option when it is labeled a “loan.” Finally, we provide suggestive evidence that this labeling effect is driven by more risk averse respondents. Our findings imply that the federal government, states, and institutions should be attentive to the language used when offering and explaining financial aid packages for higher education.
消息框架对乳房X线照相术利用的影响。
DOI：
10.1037//0278-6133.14.2.178
发表时间：
1995
期刊：
Health psychology : official journal of the Division of Health Psychology, American Psychological Association
影响因子：
--
作者：
Banks,SM;Salovey,P;Greener,S;Rothman,AJ;Moyer,A;Beauvais,J;Epel,E
通讯作者：
Epel,E