Department of Psychology, Washington Singer Laboratories, University of Exeter, ExeterEX4 4QG, UK.
Behav Brain Sci. 2021 Apr 26;44:e45. doi: 10.1017/S0140525X2000151X.
Everyday financial behaviour involves inter-temporal choices, between saving, spending, and debt. Consumers do not always take these decisions to their best advantage. Ainslie's analysis of the means to willpower as suppression, resolve, and habit is potentially applicable to understanding and improving the decisions that consumers make. Some relevant research on these topics exists, and it is briefly reviewed here.
日常金融行为涉及跨期选择，包括储蓄、消费和借贷。消费者并不总是能做出最有利于自己的决策。Ainslie 对意志力手段的分析——抑制、决心和习惯——可能适用于理解和改善消费者的决策。关于这些主题存在一些相关研究，本文简要回顾了这些研究。
