基因、认知能力与家庭金融决策——基于文献的分析

摘要/Abstract

摘要： 基于文献分析发现,基因会影响认知能力,认知能力则从多方面影响家庭金融决策,家庭金融决策又在一定程度上影响经济繁荣。经济繁荣的方式不同,会给自然环境、社会环境带来不同影响,这又会影响基因转录从而影响基因质量。所以,由现代科学文献来看,基因这种人类生理特征与经济发展之间有着密切而重要的关系,其中,认知能力和家庭金融决策是重要的纽带。这不仅有助于加深经济学家对于人类偏好形成的理解,改善金融市场模型,还为经济学家从基因代际传递质量、认知能力水平、家庭金融决策水平、自然和社会环境状况视角预测经济增长、经济波动以及社会发展方向奠定了理论基础。

关键词: 认知能力, 家庭金融决策, 基因

Abstract: Based on the literatures, we find that the cognitive ability is related to genes, as well as an effect of household financial decision making in many aspects. At the same time, household financial decision making, to a degree, makes contribution to economic prosperity, which contains several modalities that can cause different effects on the environment and milieu, whose influence on transcriptions can be a factor of genetic quality. Therefore, judging by the modern scientific literature, genes, the Physiological Characteristics of the human race, plays an important role in economic growth, and the cognitive ability and household financial decision making are the significant bonds of genes and economic development. Our research not only helps the economists have a better understanding of the formation of human biases and shows a way to modify models in financial market, but establishes the theoretical basis for predicting the economic growth, economic fluctuation and the trend of social development in the view of genetic quality, cognitive ability, household decision making and natural and social environment.

Key words: cognitive ability, household financial decision making, gene

中图分类号:

F832.21

胡忠良. 基因、认知能力与家庭金融决策——基于文献的分析[J]. , 2016(01): 39-47.

HU Zhong-liang. Gene, Cognitive Ability and Household Financial Decisions-Based on Analysis of the Literatures[J]. , 2016(01): 39-47.

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