负面情绪对金融行为的影响:基于一般应变理论的评估

Equilibrium Pub Date : 2023-03-30 DOI:10.24136/eq.2023.007
Khurram Ajaz Khan, Zdenko Metzker, J. Streimikis, Jonathan Amoah
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引用次数: 1

摘要

研究背景:本研究有两个目的,并采用了一系列中介方法。首先,运用一般应变理论,考察了经济逆境的负面情绪和影响对人们的风险承受能力和审慎理财行为的中介作用。第二个是根据年龄确定各种类别的变化。文章目的:该研究的主要目的是评估印度第二波新冠肺炎后中低收入人群的财务行为,并为一般应变理论的知识体系做出贡献。方法:该研究检查了所提出的框架,并测试了基于一般应变理论的串行中介模型,该模型用作数据收集的调查方法,目标是印度人口最多的州的中低收入个人。本研究采用PLS-SEM对框架假设进行了检验。此外,应用Kruskal-Wallis检验来确定根据年龄分类的不同群体的差异。研究结果与附加值:研究结果表明,经济困难显著影响财务行为的改善。风险厌恶态度、孤独感和抑郁情绪介导了经济困难与金融行为之间的关系。此外,研究发现,不同年龄组之间存在相当多的显著差异。本研究将在一般应变理论的范围内对现有的金融行为文献进行补充,并可能是少数几个在新冠肺炎疫情后时期测试一般应变理论和金融变量对发展中国家中低收入群体个人的影响的研究之一。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Impact of negative emotions on financial behavior: An assessment through general strain theory
Research background: The research has two objectives and employs a serial mediation approach. First, using the general strain theory, it examines the mediating role of negative feelings and impact of economic adversity on people's risk tolerance and prudent financial behavior. The second is determining the various categories' variations according to age. Purpose of the article: The study's main objective is to evaluate financial behaviour of people with lower and medium incomes after the second wave of COVID-19 in India, and to contribute to the body of knowledge on general strain theory. Methods: The study examined the proposed framework and tested the serial mediation model based on the general strain theory used as a survey method for data collection, targeting lower and middle-income individuals in India's most populated state. The study applied PLS-SEM to test the framed hypotheses. Furthermore, the Kruskal Wallis test was applied to identify the difference in the various groups classified based on age. Findings & value added: The results reveal that economic hardship significantly influences improved financial behavior. Risk aversion attitude, loneliness, and depression mediate the relationship between economic hardship and financial behavior. Moreover, the study found quite a few significant differences between the different age groups. The present study will add to the existing literature on financial behavior under the scope of general strain theory and probably be among the few that test general strain theory with financial variables impact on lower and middle-income group individuals from a developing nation in post-COVID-19 period.
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