家庭背景下的财务决策与认知
Financial Decision Making and Cognition in a Family Context.
作者信息
Smith James P, McArdle John J, Willis Robert
机构信息
Chair, Labor Markets and Demographic Studies, RAND Corporation.
出版信息
Econ J (London). 2010 Nov 1;120(549):F363-F380. doi: 10.1111/j.1468-0297.2010.02394.x.
Abstract
In this paper, we studied the association of cognitive traits and in particular numeracy of both spouses on financial outcomes of the family. We found significant effects, particularly for numeracy for financial and non-financial respondents alike, but much larger effects for the financial decision maker in the family. We also examined who makes these financial decisions in the family and why. Once again, cognitive traits such as numeracy were an important component of that decision with larger effects of numeracy for husbands compared to wives.
摘要
在本文中，我们研究了配偶双方的认知特征，尤其是计算能力与家庭财务状况之间的关联。我们发现了显著影响，特别是对于财务和非财务受访者的计算能力而言，但对家庭中的财务决策者影响更大。我们还研究了家庭中由谁做出这些财务决策以及原因。同样，计算能力等认知特征是该决策的重要组成部分，与妻子相比，丈夫的计算能力影响更大。
相似文献
1
Financial Decision Making and Cognition in a Family Context.家庭背景下的财务决策与认知
Econ J (London). 2010 Nov 1;120(549):F363-F380. doi: 10.1111/j.1468-0297.2010.02394.x.
2
Midlife Marital and Financial Stress and the Progression of Later-Life Health Problems for Husbands and Wives.中年婚姻和财务压力对夫妻晚年健康问题的影响。
J Aging Health. 2021 Oct;33(9):685-697. doi: 10.1177/08982643211004364. Epub 2021 Mar 31.
3
When more is less in financial decision-making: financial literacy magnifies framing effects.在财务决策中，多即是少：金融知识放大了框架效应。
Psychol Res. 2021 Jul;85(5):2036-2046. doi: 10.1007/s00426-020-01372-7. Epub 2020 Jun 19.
4
Self-awareness for financial decision making abilities is linked to right temporal cortical thickness in older adults.老年人的财务决策能力自我意识与右侧颞叶皮质厚度有关。
Brain Imaging Behav. 2022 Jun;16(3):1139-1147. doi: 10.1007/s11682-021-00590-w. Epub 2021 Nov 10.
5
The influence of number line estimation precision and numeracy on risky financial decision making.数线估计精度和计算能力对风险金融决策的影响。
Int J Psychol. 2019 Aug;54(4):530-538. doi: 10.1002/ijop.12475. Epub 2018 Jan 10.
6
The pre- and poststerilization predictors of poststerilization regret in husbands and wives.夫妻绝育后后悔的绝育前后预测因素。
J Nerv Ment Dis. 1991 Oct;179(10):602-8. doi: 10.1097/00005053-199110000-00003.
7
Explaining the sense of family coherence among husbands and wives: the Israeli case.解释夫妻之间家庭凝聚力的意义：以以色列为例。
J Soc Psychol. 2009 Dec;149(6):627-47. doi: 10.1080/00224540903344989.
8
Cognition and Financial Decision-Making in Older Adult Spouses.老年配偶的认知与金融决策。
Gerontology. 2023;69(9):1128-1136. doi: 10.1159/000531193. Epub 2023 May 24.
9
Age declines in numeracy: An analysis of longitudinal data.年龄与计算能力呈负相关：纵向数据分析。
Psychol Aging. 2022 May;37(3):298-306. doi: 10.1037/pag0000657. Epub 2021 Nov 18.
10
Household fertility decisions in West Africa: a comparison of male and female survey results.西非家庭生育决策：男性与女性调查结果比较
Stud Fam Plann. 1985 Mar-Apr;16(2):88-99.
引用本文的文献
1
Cognition and Wealth Changes in Mid-to-later Life: A Latent Class Trajectories Approach Using the Health and Retirement Study.中年后期认知和财富变化：使用健康与退休研究的潜在类别轨迹方法。
J Aging Health. 2024 Oct;36(9):510-522. doi: 10.1177/08982643241232003. Epub 2024 Feb 14.
2
Looking on the (B)right Side of Life: Cognitive Ability and Miscalibrated Financial Expectations.看到生活的光明面：认知能力与错误校准的财务期望。
Pers Soc Psychol Bull. 2025 Sep;51(9):1703-1715. doi: 10.1177/01461672231209400. Epub 2023 Nov 10.
3
Understanding the Effects of Widowhood on Health in China: Mechanisms and Heterogeneity.了解丧偶对中国健康的影响：机制与异质性
J Econ Ageing. 2023 Jun;25. doi: 10.1016/j.jeoa.2023.100458. Epub 2023 May 5.
4
Does parents' cognitive ability affect household educational investment? Evidence from Chinese families with left behind children.父母的认知能力是否会影响家庭教育投资？来自留守儿童家庭的证据。
PLoS One. 2023 Jun 29;18(6):e0286987. doi: 10.1371/journal.pone.0286987. eCollection 2023.
5
Cognition and Financial Decision-Making in Older Adult Spouses.老年配偶的认知与金融决策。
Gerontology. 2023;69(9):1128-1136. doi: 10.1159/000531193. Epub 2023 May 24.
6
Self-perceived memory is negatively associated with chronic disease awareness: Evidence from blood biomarker data.自我感知的记忆力与慢性病知晓率呈负相关：来自血液生物标志物数据的证据。
SSM Popul Health. 2023 Feb 9;22:101361. doi: 10.1016/j.ssmph.2023.101361. eCollection 2023 Jun.
7
Low numeracy is associated with poor financial well-being around the world.低数算能力与世界各地的不良财务幸福感有关。
PLoS One. 2021 Nov 22;16(11):e0260378. doi: 10.1371/journal.pone.0260378. eCollection 2021.
8
Housing Poverty and Healthy Aging in China: Evidence from the China Health and Retirement Longitudinal Study.住房贫困与中国的健康老龄化：来自中国健康与养老追踪调查的证据。
Int J Environ Res Public Health. 2021 Sep 21;18(18):9911. doi: 10.3390/ijerph18189911.
9
A cluster-randomized controlled trial of the effectiveness of the JUMP Math program of math instruction for improving elementary math achievement.一项针对 JUMP 数学教学计划在提高基础数学成绩方面的有效性的整群随机对照试验。
PLoS One. 2019 Oct 30;14(10):e0223049. doi: 10.1371/journal.pone.0223049. eCollection 2019.
10
Cognitive Decline and Household Financial Decisions at Older Ages.老年时期的认知衰退与家庭财务决策
J Econ Ageing. 2019 May;13:86-101. doi: 10.1016/j.jeoa.2018.03.003. Epub 2018 Mar 21.
本文引用的文献
1
WHO IS 'BEHAVIORAL'? COGNITIVE ABILITY AND ANOMALOUS PREFERENCES.谁是“行为学意义上的”？认知能力与异常偏好。
J Eur Econ Assoc. 2013 Dec 1;11(6):1231-1255. doi: 10.1111/jeea.12055.
2
Cognitive function, numeracy and retirement saving trajectories.认知功能、计算能力与退休储蓄轨迹。
Econ J (London). 2011 Nov;120(548):F381-F410. doi: 10.1111/j.1468-0297.2010.02395.x.
3
Latent variable analyses of age trends of cognition in the Health and Retirement Study, 1992-2004.1992 - 2004年健康与退休研究中认知年龄趋势的潜在变量分析
Psychol Aging. 2007 Sep;22(3):525-545. doi: 10.1037/0882-7974.22.3.525.
4
Numeracy and decision making.算术能力与决策制定。
Psychol Sci. 2006 May;17(5):407-13. doi: 10.1111/j.1467-9280.2006.01720.x.
5
6
Measures of cognitive functioning in the AHEAD Study.AHEAD研究中的认知功能测量。
J Gerontol B Psychol Sci Soc Sci. 1997 May;52 Spec No:37-48. doi: 10.1093/geronb/52b.special_issue.37.
Zotero 插件