饥饿对跨期选择影响.pdf

Dissertation Submitted to Shanghai Jiao Tong University
for the Degree of Master



THE STUDY OF EFFECT OF HUNGER
ON INTERTEMPORAL CHOICE
(National Natural Science Foundation of China: )




Candidate: Zhao Yuhao
Student ID: 1111209115
Supervisor: Prof. Lv Wei
Academic Degree Applied for: Master of Management
Speciality: Business Management
Antai College of Economics
Affiliation: & Management
Date of Defence: Jan, 2014
Degree-Conferring-Institution: Shanghai Jiao Tong University




万方数据
万方数据
上海交通大学硕士学位论文
饥饿对跨期选择的影响
摘要

储蓄和消费作为影响我国经济发展的重大问题,一直是研究的热
点。学者们发现人们经常面临不同时间点上的选择:是选择在近期消
费,还是利用储蓄来留存资金,在远期消费;是立即获得较小的收益,
还是在未来获得较大的收益。针对此类跨越时期的选择问题,在消费
和储蓄的领域中衍生出了跨期选择这一理论,来深入研究消费者在不
同时间点的选择之间决策时,所表现出的差异和偏好。
人们进行跨期选择时,其决策并非总是理性的,而是会受到诸多
因素的影响。近年来,多见将跨期选择与具身认知理论相结合,探索
消费者自身因素对于决策的影响的相关研究,已有学者研究了血糖含
量、性刺激等影响因素。本文在前人研究的基础上,创新性地选择饥
饿作为影响因素,探讨了处于不同饥饿程度的人,在金钱收益问题上
进行跨期选择时,所呈现出的偏好差异。本文还进一步结合了增强敏
感性理论,以奖励敏感性作为调节变量,探究不同敏感性的人群在面
临同样的饥饿刺激时,跨期选择行为的差异。
研究发现:
中,折现率变大,偏好当前收益;,奖励敏感
性高的消费者进行跨期选择的折现会较大,更加偏好当前收益。
本文的研究结果将有助于探索中国居民消费储蓄决策的影响因
素,为降低居民储蓄率,调节居民消费行为提出了新的思路,也对银
行、社会保障部门等组织的决策活动有指导意义。

关键词:饥饿,跨期选择,折现,储蓄与消费,奖励敏感性
I
万方数据
上海交通大学硕士学位论文
THE STUDY OF EFFECT OF HUNGER ON
INTERTEMPORAL CHOICE
ABSTRACT

Saving and consumption, a big issue affecting economic development,
has always been a research hot spot. Scholars have found that people often
face the choices at different time points: consumption in the near future, or
consumption in the long term though saving; choosing immediate smaller
profits or delayed larger revenues. Thus, the theory of intertemporal choice
has been spawned, so as to study consumers’ preferences between
decisions at different time points.
Facing intertemporal choice, people’s decisions are not always
rational, but are affected by many factors. In recent years, scholars have