行为金融视角下的风险感知  

Risk Perception from the Perspective of Behavioral Finance

作　　者：姜金栋 王杰 彭雅琪 魏萍[1] JIANG Jin-dong;WANG Jie;PENG Ya-qi;WEI Ping

机构地区：[1]杭州师范大学经亨颐教育学院,浙江杭州311121

出　　处：《江苏师范大学学报（哲学社会科学版）》2024年第5期50-59,123,共11页Journal of Jiangsu Normal University：Philosophy and Social Sciences Edition

摘　　要：在世界秩序大变革、大调整的时代背景下,全球金融治理进入新时期,国际金融环境趋于复杂严峻。同时,金融市场拥有丰富的金融产品,作为金融市场的主要参与者,个人投资者在作出投资决策时往往受限于自身金融知识、金融素养、风险承受能力等因素,面临着巨大的风险,能否正确感知到自身所面临的风险,对于投资者后续作出合理的投资决策至关重要。考虑到传统金融学所采用的研究方法对风险感知作为心理变量准确定义的忽视,可从行为金融的视角,了解风险感知的概念、测量方法、影响因素等;系统梳理和回顾国内外风险感知研究,指出当前行为金融视角下,风险感知研究一方面未有普适性的理论和方法,另一方面缺乏对无关变量的控制。展望未来,应加强理论构建,完善研究理论范式。In the context of major changes and adjustments in the world order,global financial governance has entered a new era and international financial environment has become more complex and severe.At the same time,there is a wealth of financial products in the financial market.Due to the limitation of financial knowledge,financial literacy,risk tolerance and other factors at the time of making investment decisions,the main participants of the financial market,individual investors,are often faced with huge risks.Whether the investors can correctly perceive the risks they are facing is of great importance for them to make reasonable investment decisions.Considering the ignorance of the accurate definition of risk perception as a psychological variable in the research method adopted by traditional finance,it is necessary to understand the concept,measurement method and influencing factors of risk perception from the perspective of behavioral finance.This paper systematically sorted out and reviewed the research on risk perception at home and abroad and pointed out that there's no general theory and method,as well as control of irrelevant variables in the current research on risk perception from the perspective of behavioral finance.Looking forward to the future,it is necessary to strengthen the construction of theory and perfect the paradigm of research theory.

关 键 词：行为金融 风险感知 金融风险感知 投资决策 风险投资决策 

分 类 号：B849[哲学宗教—应用心理学]