【摘要】 人格特征在行为决策和目标实现中发挥着重要的作用,但其在现实中如何影响个体行为决策仍然未知。本文使用CFPS中国家庭追踪调查数据,基于Probit模型和中介效应检验等方法,研究人格特征(即开放性、顺同性、外向性、尽责性和精神稳定性)如何通过影响人的消费时间偏好、信息处理能力、财务管理能力以及筹资能力,最终影响人们参与金融活动的决策。研究发现:开放性越强,家庭更倾向于参与定期存款、股票投资、保险;精神稳定性越强家庭更倾向于增加定期存款减少银行贷款;顺同性强则促进家庭增加定期存款;外向性越强会减少家庭参与定期存款、股票和基金投资,增加家庭参与商业保险的可能。更多还原

【Abstract】 Personality plays an important role in behavioral decision-making and goal achievement, but how it affects individual behavioral decision-making is still unknown. Based on Probit model and mediating effect test, this paper uses the data from the China Family Panel Studies to study Big Five personality traits(openness, agreeableness, extraversion, conscientiousness and mental stability) how to affect people’s consumption time preference, information processing ability, financial management ability and financing ability, and ultimately affect people’s decision-making in financial activities. The study found that:the stronger openness, the family is more inclined to participate in savings, stock investment, insurance; the stronger the mental stability, the more the family tend to increase savings and reduce bank loans; the stronger agreeableness promotes households to increase savings; the stronger extraversion will reduce the family’s participation in savings, stocks and fund investment, and increase the possibility of family participation in commercial insurance.更多还原