Beyond money: Risk preferences across both economic and non-economic contexts predict financial decisions.
Beyond money: Risk preferences across both economic and non-economic contexts predict financial decisions.
复制标题
DOI：
10.1371/journal.pone.0279125
复制
发表时间：
2022
期刊：
影响因子：
3.7
通讯作者：
Huettel, Scott A.
中科院分区：
文献类型：
--
作者：
Reeck, Crystal;Mullette-Gillman, O'dhaniel A.;McLaurin, R. Edward;Huettel, Scott A.
有关风险的重要决策发生在广泛的背景下，从投资到医疗保健。虽然已经确定了跨背景的潜在的、领域通用的风险态度，但相对于更特定于领域的风险态度，它在塑造行为方面发挥了什么作用仍不清楚。澄清领域一般风险态度和特定领域风险态度之间的关系将有助于决策理论和决策辅助工具的构建。本研究评估了领域一般风险态度和领域特定风险态度对金融风险承担的相对贡献。我们考察了不同决策领域的风险态度，通过一个经过充分验证的衡量标准--领域特定风险承担量表(DOSPERT)--揭示了这一点。验证性因素分析表明，领域一般的风险态度影响了多个领域的反应，结构方程模型显示，这种领域一般的风险态度比领域特定的金融风险态度更好地预测金融决策任务中观察到的行为风险溢价。因此，既包括经济领域也包括非经济领域的风险态度评估改善了对金融风险承担的预测，因为它们提供了对潜在的、一般领域的风险偏好的更好的洞察力。
Important decisions about risk occur in wide-ranging contexts, from investing to healthcare. While an underlying, domain-general risk attitude has been identified across contexts, it remains unclear what role it plays in shaping behavior relative to more domain-specific risk attitudes. Clarifying the relationship between domain-general and domain-specific risk attitudes would inform decision-making theories and the construction of decision aids. The present research assessed the relative contribution of domain-general and domain-specific risk attitudes to financial risk taking. We examined risk attitudes across different decision domains, as revealed through a well-validated measure, the Domain-Specific Risk-Taking Scale (DOSPERT). Confirmatory factor analysis indicated that a domain-general risk attitude shaped responses across multiple domains, and structural equation modeling showed that this domain-general risk attitude predicted observed behavioral risk premiums in a financial decision-making task better than domain-specific financial risk attitudes. Thus, assessments of risk attitudes that include both economic and non-economic domains improve predictions of financial risk taking due to the enhanced insight they provide into underlying, domain-general risk preferences.
登录
查看更多内容
DOI：
10.1080/10705510903008204
发表时间：
2009-01-01
影响因子：
6
作者：
Asparouhov, Tihomir;Muthen, Bengt
通讯作者：
Muthen, Bengt
影响因子：
4.3
作者：
Hills, P;Argyle, M
通讯作者：
Argyle, M
影响因子：
5.4
作者：
MACCRIMMON, KR;WEHRUNG, DA
通讯作者：
WEHRUNG, DA
影响因子：
56.9
作者：
TVERSKY, A;KAHNEMAN, D
通讯作者：
KAHNEMAN, D
影响因子：
4
作者：
Marsh, HW;Ellis, LA;Craven, RG
通讯作者：
Craven, RG