童年社会经济地位对个体经济风险偏好的影响：乐观偏差的中介作用

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中图分类号：C93 文献标志码：A

TheInfluence of Childhood Socioeconomic Status on Individual Risk Preference in Financial Field： The Mediating Effect of Optimistic Bias

SHEN Xinyun HOU Jianrong （Antai College of Economics & Management， Shanghai Jiao Tong University， Shanghai ）

Abstract：People's childhood experience has a profound and lasting impact on their cognition and behavior，and this impact continues after they grow up.The relationship between childhood socioeconomic status and risk preference has been a hot topic paid close attention by researchers.This study focuses on financial field and verifies the influence of childhood socioeconomic status on individual financial risk preference. Study 1 shows that the higher the socioeconomic status of childhood，the higher people's risk preference in financial field. Study 2 explores the intrinsic mechanism of this effect，and finds that optimistic bias in positive events mediates this effect： the higher the socioeconomic status of childhood，the higher people's optimistic bias in positive events，and they tend to take a risk in financial decisions.

Key word：childhood socioeconomic status; financial risk;optimistic bias

诺贝尔经济学奖得主Becker（1992）认为孩童时期的经历会对成人后的选择和偏好产生很大的影响，他强调：“童年经历可以极大地影响一个人一生的行为，因为当环境发生变化时，为此改变习惯可能是不值得的”，因此他们很大可能会延续之前形成的习惯。（剩余11274字）