中国科学院行为科学重点实验室知识库

中国城市化进程已具有一定规模,为追求更好的自我发展和居住环境,人口流动已经成为一个不容忽视的社会现象,而成年人正是这种主动流动的主导力量。随着经济的发展,金融资产投资作为经济市场化的重要产物,越来越多的人参与其中。为此,本研究探讨成年居住流动性与投资行为,尤其是与风险资产投资期限偏好的关系。我们通过两个实证研究发现,成年居住流动性越高,风险资产投资期限偏好越短;投资风险容忍度在成年居住流动性与投资期限偏好之间存在显著的间接效应,且具体表现为遮掩效应。本研究揭示了居住流动性对投资行为的影响,深化并充实了居住流动性及投资行为相关的心理模型。希望本研究的结果可以为金融领域的社会心理建设以及培养健康的社会投资心态提供切入点,并为金融安全相关政策的制定提供心理学的依据。

Residential mobility has become an important aspect of social phenomena in China.Adults are the leading force in the mobility.With the development of economy’increasingly importance has been attached to financial assets investment.The aim of the research is to investigate the relationship between residential mobility in adulthood and investment time preference.Through two studies’we found that individuals who have more movement experience in adulthood preferred to hold short-term risky assets’and risk tolerance suppressed the relationship between adulthood residential mobility and investment time preference.These findings highlight the importance of residential mobility in investment behaviors.We hope results of the present study can help to improve financial safety policy making from the perspective of social psychology.

国家社会科学基金重大项目“新时代社会治理背景下社会心理服务建设研究”(19ZDA358)支持