{"id":7101,"date":"2026-05-12T13:44:53","date_gmt":"2026-05-12T05:44:53","guid":{"rendered":"https:\/\/t.n-years.com\/?p=7101"},"modified":"2026-05-12T13:44:53","modified_gmt":"2026-05-12T05:44:53","slug":"%e8%a1%8c%e4%b8%ba%e9%87%91%e8%9e%8d%e5%ad%a6-2","status":"publish","type":"post","link":"https:\/\/t.n-years.com\/?p=7101","title":{"rendered":"\u884c\u4e3a\u91d1\u878d\u5b66"},"content":{"rendered":"<h1>\u884c\u4e3a\u91d1\u878d\u5b66\u662f\u4ec0\u4e48<\/h1>\n<p>\u884c\u4e3a\u91d1\u878d\u5b66\uff08Behavioral Finance\uff09\u662f\uff1a<\/p>\n<blockquote>\n<p>\u7528\u5fc3\u7406\u5b66\u89e3\u91ca\u201c\u4eba\u4e3a\u4ec0\u4e48\u4f1a\u505a\u51fa\u4e0d\u7406\u6027\u7684\u6295\u8d44\u51b3\u7b56\u201d\u3002<\/p>\n<\/blockquote>\n<p>\u5b83\u672c\u8d28\u4e0a\u662f\u5728\u6311\u6218\u4f20\u7edf\u91d1\u878d\u5b66\u91cc\u7684\u4e00\u4e2a\u5047\u8bbe\uff1a<\/p>\n<blockquote>\n<p>\u201c\u6295\u8d44\u8005\u6c38\u8fdc\u7406\u6027\u3002\u201d<\/p>\n<\/blockquote>\n<p>\u73b0\u5b9e\u4e16\u754c\u663e\u7136\u4e0d\u662f\u8fd9\u6837\u3002<\/p>\n<p>\u5e02\u573a\u91cc\u6bcf\u5929\u90fd\u5728\u53d1\u751f\uff1a<\/p>\n<ul>\n<li>\u8ffd\u6da8\u6740\u8dcc<\/li>\n<li>\u6050\u614c\u8e29\u8e0f<\/li>\n<li>\u725b\u5e02\u75af\u72c2<\/li>\n<li>\u718a\u5e02\u5272\u8089<\/li>\n<li>\u660e\u77e5\u4e0d\u8be5\u8d4c\uff0c\u5374\u8fd8\u662f\u91cd\u4ed3<\/li>\n<\/ul>\n<p>\u884c\u4e3a\u91d1\u878d\u5b66\u7814\u7a76\u7684\u5c31\u662f\uff1a<\/p>\n<blockquote>\n<p>\u8fd9\u4e9b\u201c\u975e\u7406\u6027\u884c\u4e3a\u201d\u5982\u4f55\u5f71\u54cd\u5e02\u573a\u548c\u6295\u8d44\u7ed3\u679c\u3002<\/p>\n<\/blockquote>\n<hr \/>\n<h1>\u5b83\u4e3a\u4ec0\u4e48\u91cd\u8981<\/h1>\n<p>\u56e0\u4e3a\u6295\u8d44\u91cc\u6700\u5927\u7684\u654c\u4eba\uff1a<\/p>\n<blockquote>\n<p>\u5f80\u5f80\u4e0d\u662f\u5e02\u573a\uff0c\u800c\u662f\u81ea\u5df1\u7684\u5927\u8111\u3002<\/p>\n<\/blockquote>\n<p>\u5f88\u591a\u4eba\uff1a<\/p>\n<ul>\n<li>\u5b66\u4f1a\u4e86\u8d22\u62a5<\/li>\n<li>\u5b66\u4f1a\u4e86\u4f30\u503c<\/li>\n<li>\u5b66\u4f1a\u4e86\u6280\u672f\u5206\u6790<\/li>\n<\/ul>\n<p>\u6700\u540e\u8fd8\u662f\u4e8f\u94b1\u3002<\/p>\n<p>\u539f\u56e0\u901a\u5e38\u662f\uff1a<\/p>\n<ul>\n<li>\u6da8\u4e86\u8d2a<\/li>\n<li>\u8dcc\u4e86\u6015<\/li>\n<li>\u5fcd\u4e0d\u4f4f\u4ea4\u6613<\/li>\n<li>\u88ab\u60c5\u7eea\u5e26\u8282\u594f<\/li>\n<\/ul>\n<p>\u884c\u4e3a\u91d1\u878d\u5b66\u7684\u4ef7\u503c\u5728\u4e8e\uff1a<\/p>\n<blockquote>\n<p>\u5b83\u8ba9\u4f60\u77e5\u9053\uff1a<br \/>\n\u201c\u4eba\u7c7b\u5929\u7136\u5c31\u4e0d\u9002\u5408\u6295\u8d44\u3002\u201d<\/p>\n<\/blockquote>\n<hr \/>\n<h1>\u884c\u4e3a\u91d1\u878d\u5b66\u7684\u6838\u5fc3\u4eba\u7269<\/h1>\n<p>\u6700\u91cd\u8981\u7684\u4eba\u7269\u4e4b\u4e00\uff1a<\/p>\n<p>Daniel Kahneman<\/p>\n<p>\u4ed6\u7684\u4ee3\u8868\u4f5c\uff1a<\/p>\n<p>Thinking, Fast and Slow<\/p>\n<p>\u4ed6\u63d0\u51fa\uff1a<\/p>\n<ul>\n<li>\u4eba\u8111\u6709\u201c\u5feb\u601d\u8003\u201d\u548c\u201c\u6162\u601d\u8003\u201d<\/li>\n<li>\u5927\u90e8\u5206\u6295\u8d44\u51b3\u7b56\uff0c\u5176\u5b9e\u662f\u60c5\u7eea\u548c\u76f4\u89c9\u9a71\u52a8<\/li>\n<\/ul>\n<p>\u540e\u6765\u56e0\u6b64\u83b7\u5f97\u8bfa\u8d1d\u5c14\u7ecf\u6d4e\u5b66\u5956\u3002<\/p>\n<p>\u53e6\u4e00\u4e2a\u91cd\u8981\u4eba\u7269\uff1a<\/p>\n<p>Richard Thaler<\/p>\n<p>\u4ee3\u8868\u4f5c\uff1a<\/p>\n<p>Nudge<\/p>\n<p>\u4ed6\u7814\u7a76\uff1a<\/p>\n<ul>\n<li>\u4eba\u4e3a\u4ec0\u4e48\u4f1a\u505a\u201c\u770b\u8d77\u6765\u4e0d\u5408\u7406\u201d\u7684\u7ecf\u6d4e\u51b3\u7b56\u3002<\/li>\n<\/ul>\n<hr \/>\n<h1>\u884c\u4e3a\u91d1\u878d\u5b66\u51e0\u4e2a\u6700\u7ecf\u5178\u7684\u73b0\u8c61<\/h1>\n<hr \/>\n<h1>1\uff09\u635f\u5931\u538c\u6076\uff08\u6700\u91cd\u8981\uff09<\/h1>\n<p>\u4eba\u5bf9\u4e8f\u635f\u7684\u75db\u82e6\uff1a<\/p>\n<blockquote>\n<p>\u8fdc\u5927\u4e8e\u8d5a\u94b1\u7684\u5feb\u4e50\u3002<\/p>\n<\/blockquote>\n<p>\u5fc3\u7406\u5b66\u7814\u7a76\u91cc\uff1a<\/p>\n<ul>\n<li>\u4e8f 1000 \u5143\u7684\u75db\u82e6<\/li>\n<li>\u5927\u7ea6\u7b49\u4e8e\u8d5a 2000 \u5143\u7684\u5feb\u4e50<\/li>\n<\/ul>\n<p>\u6240\u4ee5\u5f88\u591a\u4eba\u4f1a\uff1a<\/p>\n<h2>\u9519\u8bef\u884c\u4e3a\uff1a<\/h2>\n<ul>\n<li>\u76c8\u5229\u4e00\u70b9\u5c31\u5356<\/li>\n<li>\u4e8f\u635f\u5374\u6b7b\u625b<\/li>\n<\/ul>\n<p>\u4e8e\u662f\uff1a<\/p>\n<ul>\n<li>\u5c0f\u8d5a<\/li>\n<li>\u5927\u4e8f<\/li>\n<\/ul>\n<p>\u8fd9\u662f\u6563\u6237\u6700\u7ecf\u5178\u6a21\u5f0f\u3002<\/p>\n<hr \/>\n<h1>2\uff09\u7f8a\u7fa4\u6548\u5e94<\/h1>\n<p>\u522b\u4eba\u4e70\uff0c<br \/>\n\u81ea\u5df1\u4e5f\u60f3\u4e70\u3002<\/p>\n<p>\u4e8e\u662f\uff1a<\/p>\n<ul>\n<li>\u725b\u5e02\u8d8a\u6da8\u8d8a\u75af\u72c2<\/li>\n<li>\u718a\u5e02\u8d8a\u8dcc\u8d8a\u6050\u614c<\/li>\n<\/ul>\n<p>\u5178\u578b\u4f8b\u5b50\uff1a<\/p>\n<ul>\n<li>\u4e92\u8054\u7f51\u6ce1\u6cab<\/li>\n<li>A\u80a1 2015<\/li>\n<li>meme \u80a1<\/li>\n<li>\u52a0\u5bc6\u8d27\u5e01\u72c2\u70ed<\/li>\n<\/ul>\n<p>\u5f88\u591a\u4eba\u5e76\u4e0d\u662f\u7814\u7a76\u540e\u4e70\u5165\u3002<\/p>\n<p>\u800c\u662f\uff1a<\/p>\n<blockquote>\n<p>\u201c\u522b\u4eba\u90fd\u8d5a\u94b1\u4e86\uff0c\u6211\u4e0d\u80fd\u9519\u8fc7\u3002\u201d<\/p>\n<\/blockquote>\n<hr \/>\n<h1>3\uff09\u951a\u5b9a\u6548\u5e94<\/h1>\n<p>\u4eba\u4f1a\u88ab\u67d0\u4e2a\u6570\u5b57\u201c\u7ed1\u67b6\u201d\u3002<\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\u201c\u8fd9\u80a1\u7968\u4ee5\u524d 200\uff0c\u73b0\u5728\u624d 100\uff0c\u4fbf\u5b9c\u4e86\u3002\u201d<\/li>\n<li>\u201c\u6211\u6210\u672c 80\uff0c\u8dcc\u5230 60 \u4e0d\u80fd\u5356\u3002\u201d<\/li>\n<\/ul>\n<p>\u4f46\u5e02\u573a\u6839\u672c\u4e0d\u5173\u5fc3\u4f60\u7684\u6210\u672c\u3002<\/p>\n<p>\u80a1\u7968\u503c\u591a\u5c11\u94b1\uff1a<br \/>\n\u53ea\u53d6\u51b3\u4e8e\u672a\u6765\u73b0\u91d1\u6d41\u548c\u9884\u671f\u3002<\/p>\n<hr \/>\n<h1>4\uff09\u8fc7\u5ea6\u81ea\u4fe1<\/h1>\n<p>\u6295\u8d44\u8005\u666e\u904d\u9ad8\u4f30\u81ea\u5df1\u3002<\/p>\n<p>\u6bd4\u5982\uff1a<\/p>\n<ul>\n<li>\u89c9\u5f97\u81ea\u5df1\u80fd\u6284\u5e95<\/li>\n<li>\u89c9\u5f97\u81ea\u5df1\u80fd\u9003\u9876<\/li>\n<li>\u89c9\u5f97\u81ea\u5df1\u6bd4\u5e02\u573a\u806a\u660e<\/li>\n<\/ul>\n<p>\u7ed3\u679c\uff1a<\/p>\n<ul>\n<li>\u9ad8\u9891\u4ea4\u6613<\/li>\n<li>\u91cd\u4ed3\u8d4c\u535a<\/li>\n<li>\u6760\u6746\u7206\u4ed3<\/li>\n<\/ul>\n<p>\u7814\u7a76\u53d1\u73b0\uff1a<\/p>\n<blockquote>\n<p>\u4ea4\u6613\u8d8a\u9891\u7e41\u7684\u4eba\uff0c<br \/>\n\u957f\u671f\u6536\u76ca\u901a\u5e38\u8d8a\u5dee\u3002<\/p>\n<\/blockquote>\n<hr \/>\n<h1>5\uff09\u786e\u8ba4\u504f\u8bef<\/h1>\n<p>\u4eba\u53ea\u559c\u6b22\u770b\u652f\u6301\u81ea\u5df1\u89c2\u70b9\u7684\u4fe1\u606f\u3002<\/p>\n<p>\u6bd4\u5982\uff1a<\/p>\n<ul>\n<li>\u4e70\u4e86\u65b0\u80fd\u6e90 \u2192 \u53ea\u770b\u5229\u597d<\/li>\n<li>\u4e70\u4e86\u767d\u9152 \u2192 \u53ea\u770b\u770b\u591a\u7814\u62a5<\/li>\n<\/ul>\n<p>\u81ea\u52a8\u5ffd\u7565\uff1a<\/p>\n<ul>\n<li>\u98ce\u9669<\/li>\n<li>\u53cd\u65b9\u903b\u8f91<\/li>\n<\/ul>\n<p>\u8fd9\u4f1a\u8ba9\u4eba\u8d8a\u6765\u8d8a\u6781\u7aef\u3002<\/p>\n<hr \/>\n<h1>6\uff09FOMO\uff08\u9519\u5931\u6050\u60e7\uff09<\/h1>\n<p>Fear of Missing Out\u3002<\/p>\n<p>\u770b\u5230\u522b\u4eba\u8d5a\u94b1\uff1a<\/p>\n<ul>\n<li>\u4f1a\u7126\u8651<\/li>\n<li>\u4f1a\u51b2\u52a8\u8ffd\u9ad8<\/li>\n<\/ul>\n<p>\u8fd9\u662f\u5f88\u591a\u6ce1\u6cab\u6700\u540e\u9636\u6bb5\u7684\u6838\u5fc3\u9a71\u52a8\u529b\u3002<\/p>\n<hr \/>\n<h1>\u4e3a\u4ec0\u4e48\u884c\u4e3a\u91d1\u878d\u5b66\u5bf9\u6295\u8d44\u7279\u522b\u91cd\u8981<\/h1>\n<p>\u56e0\u4e3a\u5e02\u573a\u77ed\u671f\uff1a<\/p>\n<blockquote>\n<p>\u7ecf\u5e38\u4e0d\u662f\u201c\u4ef7\u503c\u201d\u51b3\u5b9a\uff0c<br \/>\n\u800c\u662f\u201c\u60c5\u7eea\u201d\u51b3\u5b9a\u3002<\/p>\n<\/blockquote>\n<p>\u6240\u4ee5\u4f60\u4f1a\u770b\u5230\uff1a<\/p>\n<ul>\n<li>\u660e\u663e\u9ad8\u4f30\u8fd8\u80fd\u7ee7\u7eed\u6da8<\/li>\n<li>\u660e\u663e\u4f4e\u4f30\u8fd8\u80fd\u7ee7\u7eed\u8dcc<\/li>\n<\/ul>\n<p>\u8fd9\u4e5f\u662f\uff1a<\/p>\n<ul>\n<li>\u6ce1\u6cab<\/li>\n<li>\u5d29\u76d8<\/li>\n<li>\u60c5\u7eea\u5468\u671f<\/li>\n<\/ul>\n<p>\u5b58\u5728\u7684\u6839\u6e90\u3002<\/p>\n<hr \/>\n<h1>\u884c\u4e3a\u91d1\u878d\u5b66\u6700\u6709\u4ef7\u503c\u7684\u5730\u65b9<\/h1>\n<p>\u5b83\u4e0d\u662f\u8ba9\u4f60\uff1a<\/p>\n<blockquote>\n<p>\u201c\u9884\u6d4b\u522b\u4eba\u60c5\u7eea\u201d\u3002<\/p>\n<\/blockquote>\n<p>\u800c\u662f\uff1a<\/p>\n<blockquote>\n<p>\u201c\u8bc6\u522b\u81ea\u5df1\u7684\u60c5\u7eea\u3002\u201d<\/p>\n<\/blockquote>\n<p>\u771f\u6b63\u6210\u719f\u7684\u6295\u8d44\u8005\u4f1a\u9010\u6e10\u505a\u5230\uff1a<\/p>\n<h2>\u725b\u5e02\u91cc\uff1a<\/h2>\n<ul>\n<li>\u4e0d\u75af\u72c2<\/li>\n<\/ul>\n<h2>\u718a\u5e02\u91cc\uff1a<\/h2>\n<ul>\n<li>\u4e0d\u5d29\u6e83<\/li>\n<\/ul>\n<h2>\u66b4\u6da8\u65f6\uff1a<\/h2>\n<ul>\n<li>\u4e0d\u5ac9\u5992<\/li>\n<\/ul>\n<h2>\u66b4\u8dcc\u65f6\uff1a<\/h2>\n<ul>\n<li>\u4e0d\u6050\u614c<\/li>\n<\/ul>\n<p>\u8fd9\u5176\u5b9e\u5f88\u96be\u3002<\/p>\n<hr \/>\n<h1>\u884c\u4e3a\u91d1\u878d\u5b66\u548c\u957f\u671f\u6295\u8d44\u7684\u5173\u7cfb<\/h1>\n<p>\u4f60\u4f1a\u53d1\u73b0\uff1a<\/p>\n<p>\u5f88\u591a\u957f\u671f\u6295\u8d44\u539f\u5219\uff0c<br \/>\n\u672c\u8d28\u662f\u5728\u5bf9\u6297\u4eba\u6027\u3002<\/p>\n<p>\u6bd4\u5982\uff1a<\/p>\n<h2>\u5b9a\u6295<\/h2>\n<p>\u5bf9\u6297\uff1a<\/p>\n<ul>\n<li>\u62e9\u65f6\u51b2\u52a8<\/li>\n<\/ul>\n<hr \/>\n<h2>\u957f\u671f\u6301\u6709<\/h2>\n<p>\u5bf9\u6297\uff1a<\/p>\n<ul>\n<li>\u9891\u7e41\u4ea4\u6613<\/li>\n<\/ul>\n<hr \/>\n<h2>\u5206\u6563\u6295\u8d44<\/h2>\n<p>\u5bf9\u6297\uff1a<\/p>\n<ul>\n<li>\u8fc7\u5ea6\u81ea\u4fe1<\/li>\n<\/ul>\n<hr \/>\n<h2>\u8d44\u4ea7\u914d\u7f6e<\/h2>\n<p>\u5bf9\u6297\uff1a<\/p>\n<ul>\n<li>\u60c5\u7eea\u6ce2\u52a8<\/li>\n<\/ul>\n<hr \/>\n<h1>\u666e\u901a\u6295\u8d44\u8005\u6700\u503c\u5f97\u5b66\u7684\u90e8\u5206<\/h1>\n<p>\u5982\u679c\u53ea\u5b66\u4e00\u4e2a\u6838\u5fc3\uff1a<\/p>\n<h2>\u201c\u5e02\u573a\u60c5\u7eea\u4f1a\u5f71\u54cd\u4f60\u3002\u201d<\/h2>\n<p>\u7136\u540e\u5efa\u7acb\u5236\u5ea6\u53bb\u5bf9\u6297\u5b83\u3002<\/p>\n<p>\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\u4e0d\u6ee1\u4ed3\u8d4c\u535a<\/li>\n<li>\u4e0d\u56e0\u4e3a\u66b4\u6da8\u8ffd\u9ad8<\/li>\n<li>\u4e0d\u56e0\u4e3a\u66b4\u8dcc\u6e05\u4ed3<\/li>\n<li>\u63d0\u524d\u8bbe\u5b9a\u4e70\u5356\u89c4\u5219<\/li>\n<li>\u5c11\u770b\u77ed\u7ebf\u6ce2\u52a8<\/li>\n<\/ul>\n<p>\u957f\u671f\u6536\u76ca\u4f1a\u660e\u663e\u6539\u5584\u3002<\/p>\n<hr \/>\n<h1>\u5f88\u591a\u4eba\u6700\u540e\u4f1a\u53d1\u73b0<\/h1>\n<p>\u6295\u8d44\u540e\u671f\u62fc\u7684\u4e0d\u662f\uff1a<\/p>\n<ul>\n<li>\u6280\u672f\u6307\u6807<\/li>\n<li>K\u7ebf<\/li>\n<li>\u6d88\u606f\u901f\u5ea6<\/li>\n<\/ul>\n<p>\u800c\u662f\uff1a<\/p>\n<blockquote>\n<p>\u60c5\u7eea\u7a33\u5b9a\u6027\u3002<\/p>\n<\/blockquote>\n<p>\u80fd\u63a7\u5236\u60c5\u7eea\u7684\u4eba\uff0c<br \/>\n\u624d\u80fd\u771f\u6b63\u957f\u671f\u590d\u5229\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u884c\u4e3a\u91d1\u878d\u5b66\u662f\u4ec0\u4e48 \u884c\u4e3a\u91d1\u878d\u5b66\uff08Behavioral Finance\uff09\u662f\uff1a \u7528\u5fc3\u7406\u5b66\u89e3\u91ca\u201c\u4eba\u4e3a\u4ec0\u4e48\u4f1a\u505a\u51fa\u4e0d\u7406\u6027\u7684&#8230; <\/p>\n<div class=\"read-more navbutton\"><a href=\"https:\/\/t.n-years.com\/?p=7101\">\u9605\u8bfb\u66f4\u591a<i class=\"fa 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