摘要
本文运用实验研究方法和Logistic回归,对我国银行小微贷款决策者的三种非理性行为及其影响因素进行了分析。实验结果表明:(1)就"损失厌恶"效应而言,受试者的性别对损失厌恶效应出现概率的影响最大,其次的影响因素是性格、决策方式、受试者的工作年限与年龄。(2)对"框架效应",被试认知需求的影响最大,认知需求得分高的被试不容易出现框架效应,此外被试的性别、受教育程度、决策方式等对其也有影响。(3)对"心理账户"效应,受试者所在银行的所有制性质对心理账户效应出现概率的影响最大,国有银行的受试者表现出更高的"心理账户"效应的倾向,其他的影响因素依次为:受试者的职务、性格特点、工作年限。
The paper uses experimental study and Logistic regression to test three kinds of irrational behavior （loss aversion effect, framing effect, mental accounting effect） and their influencing factors in SME lending decision- making of banks in China. The experimental results show that firstly as for loss aversion effect, gender is the most im- portant factor and the other influencing factors are the character, method of decision-making, working duration and age of the testee. Secondly, as far as the ＂framing effect＂ is concerned, NC of the testee is the most important factor while the gender, education level, method of decision-making have an influence on it. Thirdly, for ＂mental account- ing effect＂, the ownership of the bank of the testee affects it mostly and the other influencing factors are their title, character and working duration.
作者
郭妍
Guo Yah(School of Management, Shandong University, Shandong Jinan 250100)
出处
《金融发展研究》
北大核心
2016年第12期3-8,共6页
Journal Of Financial Development Research
基金
国家自然科学基金"基于前景理论的银行中小企业信贷非理性决策行为研究"(项目号:71303136)
山东省自然科学基金"生态位视角下山东省小微信贷风险管理创新研究"(项目号:ZR2012GQ008)
关键词
小微贷款决策
损失厌恶
框架效应
心理账户
实验研究
SME lending decision-making, loss aversion effect, framing effect, mental accounting effect, experimental study
