PSYCH OpenIR  > 健康与遗传心理学研究室
Alternative TitleIntertemporal choice: From Behavioral to Neural Mechanism
Publication Place北京
Contribution Rank1





Other Abstract

Intertemporal choice is the tradeoff among outcomes occurring at different points in time, which is a basic concept in behavior decision making field and relate to many important decisions in the real worlds The present research explored the mechanism of interternporal choice from two levels: behavior and neural mechanism by two studies.

The first study focused on the annuity decision, one type of intertemporal choice in the real world. In a field context, we explored the potential effect of time discounting biases to the annuity puzzle and other related factors. The results suggest that participants showed the reversed behavioral annuity puzzles: few individuals intended to purchase annuities, while more individuals actually joined annuity program. Moreover, after excluding the influence of job-quit intention, this behavioral annuity puzzle can be predicted by different factors: for annuity intention, the best predictors are insurance related experiences, whereas for annuity purchasing decision or annuity behavior, are time discounting rate and demand saving rates.

In the second research, using event-related functional magnetic resonance imaging, we comprehensively investigated the neural mechanism of temporal discounting using two decision-making tasks with a symmetric pattern of gains and losses. Our results revealed that the lateral prefrontal and posterior parietal areas were activated in discounting both future gains and future losses, but their activations were stronger when discounting losses, Moreover, we found that the insula, thalamus and dorsal striatum were more activated during intertemporal choices involving losses, suggesting that the enhanced sensitivity to losses may be driven by negative emotions. In addition, whereas the posterior cingulate cortex and medial prefrontal cortex were activated when the choices included immediate options, extra regions including the anterior cingulate cortex, insula and superior frontal gyrus were preferentially activated when the choices involved immediate losses.

Taken together, our findings suggest that (1) the decrease in tune discounting rates could lead to increase in the annuitization rate; (2) a fronto-parietal. network supports the common discounting process, and more importantly, discounting future losses and gains occurs asymmetrically in the brain.

We also discussed the implications for research on annuity and intertemporal decision making, as well as for the annuity design and promotion in real world are discussed. Moreover, we speculated that the results may provide a neural basis for the phenomenon that future losses are discounted less steeply than future gains.

Keyword跨期选择 养老金谜题 养老金意愿 内侧前额叶皮层 前扣带皮层, 背外侧前额叶皮层
Document Type科技报告
Recommended Citation
GB/T 7714
梁竹苑. 跨期选择:从行为到神经机制[R]. 北京,2009.
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