心理干预
金融知识
公制(单位)
经济
结果(博弈论)
能力(人力资源)
福利
计量经济学
损失厌恶
精算学
计算机科学
微观经济学
心理学
财务
运营管理
精神科
市场经济
管理
作者
Sandro Ambuehl,B. Douglas Bernheim,Annamaria Lusardi
摘要
We examine methods for evaluating interventions designed to improve decision-making quality when people misunderstand the consequences of their choices. In an experiment involving financial education, conventional outcome metrics (financial literacy and directional behavioral responses) imply that two interventions are equally beneficial even though only one reduces the average severity of errors. We trace these failures to violations of the assumptions embedded in the conventional metrics. We propose a simple, intuitive, and broadly applicable outcome metric that properly differentiates between the interventions, and is robustly interpretable as a measure of welfare loss from misunderstanding consequences even when additional biases distort choices. (JEL D83, D91, G51, G53)
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