首页
登录
职称英语
Even the best-intentioned policies can fail prey to the oddity of human beh
Even the best-intentioned policies can fail prey to the oddity of human beh
游客
2023-09-09
11
管理
问题
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds. In order to stop borrowers from being hit by an accumulation of unpaid interest whenever they fail to pay their bill, there are laws requiring credit-card companies to specify a minimum payment in each statement. But these may do more harm than good, suggests Neil Stewart, a psychologist at Warwick University.
Mr. Stewart was studying a phenomenon known as "anchoring". Psychologists have found that being exposed to numbers, even irrelevant ones, can affect people’s decisions. For example, diners tend to spend more in a restaurant named "Cafe 97" than in one named "Cafe 17". Since minimum payments on credit-card statements are usually small amounts, Mr. Stewart wondered whether seeing an actual amount might make people pay less than they would otherwise have done. That is exactly what he found.
Mr. Stewart presented 413 people with fake credit-card bills of S 435.76 that were identical -- except that only half mentioned a minimum payment of £5.42. Participants were asked how much they would pay.
Among those inclined to pay the bill in full, the presence of the minimum payment hardly made any difference. However, those who wanted to pay just part of it handed over 43% less on average when presented with a minimum payment. In the real world, this would roughly double interest charges.
Economists will be interested in the results. Behavioral economists advocate" nudging(用肘轻推)" people in the right direction by subtly altering the choices that they are presented with. The insistence on minimum payments is a variation on this theme. Supposedly, those confronted by minimum-payment requirements should pay at least that much. In fact Mr. Stewart’s work suggests that people who would have paid a lot, paid less. In economics, as in life, nudging needs to be done carefully. [br] What did Mr. Stewart find in his studying the phenomenon of "anchoring"?
选项
答案
An actual mount makes people pay less.
解析
定位句的意思是“Stewart想研究人们看到规定的最小付款数目后,是否会减少他们原本打算偿还的金额,而研究结果证明了他的想法”,所以本题答案为An actual amount makes people pay less.
转载请注明原文地址:https://tihaiku.com/zcyy/2998108.html
相关试题推荐
Eventhebest-intentionedpoliciescanfailpreytotheoddityofhumanbeh
Eventhebest-intentionedpoliciescanfailpreytotheoddityofhumanbeh
Eventhebest-intentionedpoliciescanfailpreytotheoddityofhumanbeh
Eventhebest-intentionedpoliciescanfailpreytotheoddityofhumanbeh
Eventhebest-intentionedpoliciescanfailpreytotheoddityofhumanbeh
随机试题
Tobeagoodteacher,youneedsomeofthegiftsofagoodactor:youmustbeab
[originaltext]FarmersandtheirsupportersprotestedWednesdayinhundredsof
Haveyoueverdreamedaboutflyinginthesky?Nowyoucanfly.Withthe
股权投资机构尽职调查的目的()A.投资和判断目标公司是否值得投资并获取项目估值
休克病人血容量补足后仍尿少、尿比重低,应考虑A.心功能不全 B.肺功能不全
关于工农产品价格剪刀差的说法,正确的是()。A:工业品的价格高于其价值,农产品的
某企业开发了去屑、柔顺发质、自然定型、黑亮四种洗发水产品。该企业进行产品市场细分
银行承兑汇票的承兑银行,应当按照票面金额向出票人收取()的手续费。A:千分之一
无溶剂环氧液体涂料的防腐蚀涂装前,对基材表面进行喷砂或抛丸处理,除锈质量达到(
下列混凝土拌合方式中,属于二次投料法的是( )。A.预拌水泥砂浆法 B.预拌
最新回复
(
0
)