论文标题
与风险和时间偏好相关的个人特征：多国代表调查
Individual characteristics associated with risk and time preferences: A multi country representative survey
论文作者
论文摘要
本文经验分析了个体特征与风险规避，损失，折扣和当前偏见的关系。为此，我们在八个欧洲国家进行了大规模的人口统计学调查。我们使用激励多个价格清单并共同估算偏好参数来引起偏好，以说明其结构依赖性。我们的发现表明，偏好与各种个人特征有关，例如年龄，性别和收入以及某些个人价值观。我们还报告了有关认知能力和偏好之间关系的证据。激励性，股份规模和二元选择的表现顺序很重要，强调了在引起经济偏好时控制这些因素的重要性。
This paper empirically analyzes how individual characteristics are associated with risk aversion, loss aversion, time discounting, and present bias. To this end, we conduct a large-scale demographically representative survey across eight European countries. We elicit preferences using incentivized multiple price lists and jointly estimate preference parameters to account for their structural dependencies. Our findings suggest that preferences are linked to a variety of individual characteristics such as age, gender, and income as well as some personal values. We also report evidence on the relationship between cognitive ability and preferences. Incentivization, stake size, and the order of presentation of binary choices matter, underlining the importance of controlling for these factors when eliciting economic preferences.
