本文選題：行為經(jīng)濟學(xué) + 非理性行為　； 參考：《湖湘論壇》2017年01期

【摘要】：行為經(jīng)濟學(xué)研究證明,人類并不總是基于完全理性做出最優(yōu)決策,他們經(jīng)常會受心理、生理、社會影響做出錯誤決策。要有效落實銀監(jiān)會頒布的《網(wǎng)絡(luò)借貸信息中介機構(gòu)業(yè)務(wù)活動管理暫行辦法》中對P2P網(wǎng)絡(luò)借貸投資人(出借人)保護規(guī)定,必須運用行為經(jīng)濟學(xué)原理設(shè)計輕推措施,以促成P2P網(wǎng)絡(luò)借貸投資人保護機制的實現(xiàn)。在合格出借人判斷上,宜采用合格出借人評估問卷方式,合理選擇默認選項和便利選項安排;在網(wǎng)絡(luò)借貸信息中介機構(gòu)信息披露上,要實行要點披露和全面披露,同時對影響投資人決策的關(guān)鍵信息進行突顯設(shè)計,對容易混淆的信息采取糾偏措施。對出借金額達到一定標準的投資人設(shè)立冷靜期制度,以促成投資人最優(yōu)決策。
[Abstract]:Behavioral economics studies show that human beings do not always make optimal decisions based on complete rationality. They often make wrong decisions under the influence of psychology, physiology and society.In order to effectively implement the regulations on the Protection of P2P Network Lending investors (lenders) in the interim measures on the Management of the Business activities of Network Lending Information intermediaries promulgated by the CBRC, we must apply the principles of behavioral economics to design and push measures.In order to facilitate P2P network lending investor protection mechanism to achieve.In the judgment of qualified lenders, it is advisable to adopt the method of qualified lender evaluation questionnaire, reasonably choose the default option and convenient option arrangement, and implement the key points disclosure and full disclosure in the information disclosure of online lending information intermediary institutions.At the same time, the key information that affects investor decision is highlighted, and the easily confused information is corrected.A cooling-off period system is established for investors whose loan amount has reached a certain standard to facilitate the investors' optimal decision.
【作者單位】： 重慶理工大學(xué);
【分類號】：F832.4;F724.6

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