寻找货币选择中时间贴现的决定因素:个人特征只影响很小

IF 1.1 4区心理学 Q3 PSYCHOLOGY, MULTIDISCIPLINARY

Studia Psychologica Pub Date : 2021-08-20 DOI:10.31234/osf.io/f52dq

L. Vargová, Matúš Adamkovič

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引用次数: 0

摘要

货币选择中的时间折扣是由与奖励、环境因素和个人特征相关的方面决定的。在本研究中(Ntotal = 1134)，我们考察了个人特征(社会人口学、财务状况、自我控制、认知能力、消极体验和信任)在假设和真实奖励场景中对时间折扣的预测程度。回归分析的结果表明，一个人的特征只解释了时间贴现方差的一小部分(R2范围从0.10到0.19)。货币选择中时间贴现的唯一实质性预测因素是金融知识和延迟满足的普遍倾向。我们的结论是，在解释决定时间折扣的因素方面还有很多工作要做，然而，我们建议将重点从个人特征转移到奖励和环境因素的特征上。

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In search of determinants of time-discounting in monetary choices: Personal characteristics matter only a little

Time-discounting in monetary choices is determined by the aspects related to the reward, contextual factors, and characteristics of a person. In the present study (Ntotal = 1134), we examined how well do personal characteristics (sociodemographic, financial situation, self-control, cognitive abilities, negative experiencing, and trustfulness) predict time-discounting in both hypothetical and real reward scenarios. The results of the regression analyses indicate that the characteristics of a person explain only a small proportion of the variance in time-discounting (R2 ranged from .10 to .19). The only substantive predictors of time-discounting in monetary choices were financial literacy and a general tendency to delay gratification. We conclude that there still is much work to be done in explaining what determines time-discounting, however, we suggest shifting the focus from the personal characteristics to the characteristics of the reward and contextual factors.

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来源期刊

Studia Psychologica PSYCHOLOGY, MULTIDISCIPLINARY-

CiteScore

2.00

自引率

8.30%

发文量

审稿时长

43 weeks

期刊介绍： The international journal Studia Psychologica is published by the Institute of Experimental Psychology, Slovak Academy of Sciences, Bratislava, Slovak Republic, since 1956. The journal publishes original articles in the area of psychology of cognitive processes in personality and social context. The journal aims at providing contributions to the understanding of cognitive processes which are used in the everyday functioning of human beings. This includes studies on the acquisition and use of knowledge about the world by human beings, the nature of such knowledge, and the relationship between knowledge, behavior and personality conceived as an agent in his/her environment.