\u4e00<\/p>\n
\u635f\u5931\u538c\u6076\u662f\u6307\u4eba\u4eec\u9762\u5bf9\u540c\u6837\u6570\u91cf\u7684\u6536\u76ca\u548c\u635f\u5931\u65f6\uff0c\u8ba4\u4e3a\u635f\u5931\u66f4\u52a0\u4ee4\u4ed6\u4eec\u96be\u4ee5\u5fcd\u53d7\u3002\u540c\u91cf\u7684\u635f\u5931\u5e26\u6765\u7684\u8d1f\u6548\u7528\u4e3a\u540c\u91cf\u6536\u76ca\u7684\u6b63\u6548\u7528\u76842.5\u500d\u3002\u635f\u5931\u538c\u6076\u53cd\u6620\u4e86\u4eba\u4eec\u7684\u98ce\u9669\u504f\u597d\u5e76\u4e0d\u662f\u4e00\u81f4\u7684\uff0c\u5f53\u6d89\u53ca\u7684\u662f\u6536\u76ca\u65f6\uff0c\u4eba\u4eec\u8868\u73b0\u4e3a\u98ce\u9669\u538c\u6076\uff1b\u5f53\u6d89\u53ca\u7684\u662f\u635f\u5931\u65f6\uff0c\u4eba\u4eec\u5219\u8868\u73b0\u4e3a\u98ce\u9669\u5bfb\u6c42\u3002<\/p>\n
\u4f8b\u5982\uff0c\u8bd5\u9a8c\u663e\u793a\uff0c\u8bb8\u591a\u4eba\u5b81\u613f\u9009\u62e9\u65e0\u98ce\u9669(\u5373100%\u7684\u673a\u4f1a)\u5730\u83b7\u5f97\uff043000\uff0c\u800c\u4e0d\u4f1a\u9009\u62e9\u670980%\u7684\u673a\u4f1a\u8d62\u5f97\uff044000\u7684\u8d4c\u535a\uff1b\u7136\u800c\uff0c\u5728\u540c\u6837\u7684\u8fd9\u4e9b\u4eba\u5f53\u4e2d\u4f1a\u6709\u4e00\u4e9b\u4eba\u504f\u723120%\u7684\u673a\u4f1a\u8d62\u5f97\uff044000\uff0c\u800c\u4e0d\u4f1a\u9009\u62e925%\u7684\u673a\u4f1a\u8d62\u5f97\uff043000\u3002\u5b9e\u9645\u4e0a\uff0c\u540e\u4e00\u7ec4\u65b9\u6848\u7684\u5f62\u6210\u53ea\u662f\u5c06\u524d\u4e00\u7ec4\u65b9\u6848\u7684\u539f\u6709\u6982\u7387\u5206\u522b\u964d\u4f4e75% \u800c\u5df2\u3002<\/p>\n
\u8fd8\u6709\u4e00\u79cd\u60c5\u51b5\u662f\u77ed\u89c6\u635f\u5931\u538c\u6076\uff08myopic loss aversion\uff09\u3002\u5728\u8bc1\u5238\u6295\u8d44\u4e2d\uff0c\u957f\u671f\u6536\u76ca\u53ef\u80fd\u4f1a\u5468\u671f\u6027\u5730\u88ab\u77ed\u89c6\u635f\u5931\u6240\u6253\u65ad\uff0c\u77ed\u89c6\u7684\u6295\u8d44\u8005\u628a\u80a1\u7968\u5e02\u573a\u89c6\u540c\u8d4c\u573a\uff0c\u8fc7\u5206\u5f3a\u8c03\u6f5c\u5728\u7684\u77ed\u671f\u635f\u5931\u3002\u8fd9\u4e9b\u6295\u8d44\u8005\u53ef\u80fd\u6ca1\u6709\u610f\u8bc6\u5230\uff0c\u901a\u8d27\u81a8\u80c0\u7684\u957f\u671f\u5f71\u54cd\u53ef\u80fd\u4f1a\u8fdc\u8fdc\u8d85\u8fc7\u77ed\u671f\u5185\u80a1\u7968\u7684\u6da8\u8dcc\u3002\u7531\u4e8e\u77ed\u89c6\u7684\u635f\u5931\u538c\u6076\uff0c\u4eba\u4eec\u5728\u5176\u957f\u671f\u7684\u8d44\u4ea7\u914d\u7f6e\u4e2d\uff0c\u53ef\u80fd\u8fc7\u4e8e\u4fdd\u5b88\u3002<\/p>\n
\u4e8c<\/p>\n
\u8be5\u7406\u8bba\u6709\u4e2a\u5f88\u91cd\u8981\u7684\u9690\u542b\u6761\u4ef6\uff0c\u5c31\u662f\u4ec0\u4e48\u662f\u635f\u5931\uff0c\u4ec0\u4e48\u662f\u6536\u76ca\uff0c\u4f9d\u8d56\u4e8e\u53c2\u7167\u70b9\u3002\u5982\u679c\u4eba\u4eec\u9884\u671f\u83b7\u5f97500\u7684\u6536\u76ca\uff0c\u90a3\u4e48\u53ea\u83b7\u5f97400\u4e5f\u662f\u7b97\u4f5c\u635f\u5931\uff1b\u53cd\u4e4b\uff0c\u5982\u679c\u4eba\u4eec\u9884\u671f\u6ca1\u6709\u6536\u76ca\uff0c\u90a3\u4e48\u83b7\u5f97100\u90fd\u662f\u989d\u5916\u7684\u3002\u5728\u524d\u4e00\u79cd\u60c5\u51b5\u4e0b\uff0c\u5982\u679c\u771f\u5b9e\u7684\u60c5\u51b5\u91cc\uff0c\u83b7\u5f97\u7684\u6536\u76ca\u4e0d\u5230500\uff0c\u90a3\u4e48\u4eba\u4eec\u4f1a\u4e3a\u4e86\u83b7\u5f97\u53ef\u80fd\u7684500\u800c\u7518\u613f\u5192\u9669\uff1b\u800c\u5982\u679c\u53ef\u80fd\u83b7\u5f97600\u7684\u6536\u76ca\uff0c\u53cd\u800c\u4e0d\u613f\u5192\u9669\u3002\u5728\u540e\u4e00\u79cd\u60c5\u51b5\u4e0b\uff0c\u5982\u679c\u771f\u5b9e\u7684\u60c5\u51b5\u91cc\u90fd\u662f\u83b7\u5f97\u6536\u76ca\u7684\u53ef\u80fd\uff0c\u800c\u4e0d\u4f1a\u5012\u8d34\uff0c\u90a3\u4e48\uff0c\u90e8\u5206\u4eba\u53cd\u800c\u4f1a\u65e0\u754f\u4e8e\u5192\u591a\u5927\u7684\u98ce\u9669\u3002\u518d\u4e00\u79cd\u60c5\u51b5\uff0c\u5047\u5b9a\u4eba\u4eec\u9884\u671f\u83b7\u5f97\u7684\u662f-1000\u7684\u6536\u76ca\uff08\u5373\u9884\u671f\u5c31\u4f1a\u635f\u5931\uff09\uff0c\u90a3\u4e48\u5982\u679c\u771f\u5b9e\u60c5\u51b5\u4e0b\u6709\u53ef\u80fd\u53ea\u635f\u5931-500\uff0c\u90fd\u662f\u4e00\u79cd\u989d\u5916\u6536\u76ca\uff0c\u4eba\u4eec\u4f1a\u65e0\u754f\u4e8e\u5192\u9669\u3002<\/p>\n
\u603b\u4e4b\uff0c\u53ef\u4ee5\u8bf4\uff0c\u5982\u679c\u53ef\u4ee5\u83b7\u5f97\u671f\u671b\u4e2d\u7684\u6536\u76ca\uff0c\u90a3\u4e48\u4eba\u4eec\u4e0d\u613f\u610f\u5192\u5931\u53bb\u671f\u671b\u6536\u76ca\u7684\u98ce\u9669\u53bb\u5f97\u5230\u66f4\u591a\uff1b\u5982\u679c\u4e0d\u671f\u671b\u5f97\u5230\u6536\u76ca\uff08\u6216\u671f\u671b\u5f97\u5230\u975e\u5e38\u5c11\uff09\u65f6\uff0c\u4eba\u4eec\u624d\u4f1a\u4e3a\u4e86\u5f97\u5230\u53ef\u80fd\u7684\u6536\u76ca\u800c\u53bb\u5192\u4e00\u65e0\u6240\u83b7\u7684\u98ce\u9669\u3002<\/p>\n
\u4e09<\/p>\n
\u7ecf\u5e38\u9700\u8981\u6324\u516c\u8f66\u7684\u4eba\uff0c\u6216\u591a\u591a\u6216\u5c11\u603b\u4f1a\u62b1\u6028\u51e0\u53e5\u3002\u56e0\u4e3a\uff0c\u65e0\u8bba\u4f60\u7b49\u54ea\u4e00\u8def\u516c\u5171\u6c7d\u8f66\uff0c\u5b83\u603b\u662f\u59d7\u59d7\u6765\u8fdf\u3002<\/p>\n
\u8fd9\u6837\u7684\u57cb\u6028\u975e\u5e38\u666e\u904d\u3002\u6bd5\u7adf\uff0c\u867d\u7136\u516c\u8f66\u662f\u6309\u7167\u65f6\u95f4\u70b9\u6765\u7684\uff0c\u4f46\u662f\u4ed6\u4eec\u4e0d\u53ef\u80fd\u8fbe\u5230\u8ba1\u7b97\u673a\u90a3\u6837\u7684\u7cbe\u786e\uff0c\u6240\u4ee5\u6709\u65f6\u5019\u4e5f\u4f1a\u63d0\u524d\u6216\u65f6\u5ef6\u8bef\u51e0\u5206\u949f\uff0c\u90a3\u662f\u5728\u6240\u96be\u514d\u7684\u3002<\/p>\n
\u5176\u5b9e\uff0c\u8fd9\u5c31\u662f\u751f\u6d3b\u4e2d\u7ecf\u5e38\u51fa\u73b0\u7684\u201c\u635f\u5931\u538c\u6076\u201d\u3002\u8bf4\u7684\u662f\u4eba\u4eec\u56e0\u4e3a\u5f97\u5230\u4e00\u767e\u5143\u6240\u5e26\u6765\u7684\u559c\u60a6\uff0c\u5728\u7a0b\u5ea6\u4e0a\u8d76\u4e0d\u4e0a\u4eba\u4eec\u56e0\u4e3a\u635f\u5931\u4e00\u767e\u5143\u6240\u5e26\u6765\u7684\u75db\u82e6\u3002<\/p>\n
\u5f88\u591a\u65f6\u5019\uff0c\u6211\u4eec\u5bf9\u4e8e\u597d\u8fd0\u603b\u662f\u8bb0\u5fc6\u4e0d\u6df1\uff0c\u4f46\u662f\u5bf9\u4e8e\u9709\u8fd0\u603b\u662f\u8bb0\u5fc6\u6df1\u523b\u3002\u90a3\u4e9b\u4e0d\u597d\u7684\u60c5\u7eea\u548c\u601d\u7eea\u65e5\u79ef\u6708\u7d2f\u7684\u79ef\u7d2f\u8d77\u6765\uff0c\u5c31\u8868\u73b0\u51fa\u201c\u635f\u5931\u538c\u6076\u201d\u7684\u5fc3\u7406\u3002\u7531\u4e8e\u201c\u635f\u5931\u538c\u6076\u201d\u7684\u5fc3\u7406\uff0c\u5c11\u7b49\u4e86\u51e0\u5206\u949f\u7684\u201c\u597d\u8fd0\u201d\u5e26\u6765\u7684\u5feb\u4e50\uff0c\u62b5\u4e0d\u4e0a\u4e0b\u6b21\u591a\u82b1\u4e86\u51e0\u5206\u949f\u7684\u201c\u9709\u8fd0\u201d\u5e26\u6765\u7684\u4e0d\u5feb\u3002<\/p>\n
\u5728\u4eba\u4e0e\u4eba\u7684\u4ea4\u5f80\u4e2d\uff0c\u4e5f\u5b58\u5728\u7740\u5f88\u591a\u201c\u635f\u5931\u538c\u6076\u201d\u7684\u5fc3\u6001\u3002<\/p>\n
\u5728\u53cc\u65b9\u4ee5\u540c\u6837\u7684\u65b9\u5f0f\u5bf9\u5f85\u5f7c\u6b64\u7684\u60c5\u51b5\u4e0b\uff0c\u6211\u4eec\u5e38\u5e38\u4f1a\u9ad8\u4f30\u81ea\u5df1\u7ed9\u5bf9\u65b9\u5e26\u6765\u7684\u201c\u597d\u5904\u201d\uff0c\u4f4e\u4f30\u5bf9\u65b9\u7ed9\u81ea\u5df1\u5e26\u6765\u7684\u201c\u597d\u5904\u201d\u3002\u5f88\u591a\u60c5\u51b5\u4e0b\uff0c\u53d7\u8fd9\u6837\u7684\u4e0d\u5e73\u8861\u5fc3\u7406\u7684\u5f71\u54cd\uff0c\u5bfc\u81f4\u4e86\u5f88\u591a\u7684\u4e89\u5435\u4e0e\u77db\u76fe\uff0c\u751a\u81f3\u66f4\u4e25\u91cd\u7684\u5bfc\u81f4\u53cb\u60c5\uff08\u6216\u8005\u662f\u5408\u4f5c\u7b49\u7b49\uff09\u65e0\u6cd5\u7ee7\u7eed\uff0c\u6700\u7ec8\u4e0d\u6b22\u800c\u6563\u3002\u8bfa\u8d1d\u5c14\u7269\u7406\u5b66\u5956\u5f97\u4e3b\u6768\u632f\u5b81\u548c\u674e\u653f\u9053\u5c31\u662f\u5178\u578b\u7684\u4f8b\u5b50\u3002\u56e0\u7f72\u540d\u987a\u5e8f\u95ee\u9898\u4f5c\u4e3a\u5bfc\u706b\u7ebf\uff0c\u5bfc\u81f4\u6700\u540e\u7684\u51b3\u88c2\uff0c\u5374\u5ffd\u89c6\u4e86\u4e24\u4eba\u671f\u95f4\u90a3\u4e48\u591a\u5e74\u7684\u5408\u4f5c\u4e4b\u60c5\u3002<\/p>\n
\u6211\u4eec\u603b\u662f\u503e\u5411\u4e8e\u81ea\u5df1\u3002\u81ea\u5df1\u4ed8\u51fa\u53bb\u7684\u52aa\u529b\u6216\u8005\u4ee3\u4ef7\uff0c\u603b\u662f\u8bb0\u5f97\u975e\u5e38\u6e05\u695a\uff1b\u5bf9\u65b9\u4ed8\u51fa\u7684\u52aa\u529b\u548c\u7ed9\u81ea\u5df1\u5e26\u6765\u7684\u597d\u5904\uff0c\u603b\u663e\u5f97\u5fae\u4e0d\u8db3\u9053\u3002\u7531\u4e8e\u201c\u635f\u5931\u538c\u6076\u201d\u7684\u5fc3\u7406\uff0c\u5373\u4f7f\u662f\u5ba2\u89c2\u4e0a\u76f8\u7b49\u7684\u72b6\u6001\uff0c\u4e5f\u603b\u4f1a\u89c9\u5f97\u662f\u81ea\u5df1\u201c\u4e8f\u201d\u4e86\uff0c\u6216\u8005\u89c9\u5f97\u662f\u5bf9\u65b9\u7684\u201c\u5229\u201d\u591a\u4e8e\u81ea\u5df1\u3002<\/p>\n
\u7531\u4e8e\u201c\u635f\u5931\u538c\u6076\u201d\u5fc3\u7406\uff0c\u6211\u4eec\u603b\u662f\u4f1a\u5bf9\u5bf9\u65b9\u505a\u7684\u4e0d\u597d\u7684\u5730\u65b9\u8bb0\u5f97\u7279\u522b\u6e05\u695a\uff0c\u800c\u5ffd\u89c6\u5bf9\u65b9\u7684\u597d\u3002\u6362\u8a00\u4e4b\uff0c\u5bf9\u65b9\u505a\u5f97\u597d\u7684\u5341\u4ef6\u4e8b\u52a0\u8d77\u6765\uff0c\u6216\u8bb8\u90fd\u8fd8\u65e0\u6cd5\u5f25\u8865\u4e00\u4ef6\u7cdf\u7cd5\u7684\u4e8b\u7ed9\u81ea\u5df1\u5e26\u6765\u7684\u8d1f\u9762\u60c5\u7eea\u3002<\/p>\n
\u6216\u8bb8\u5728\u4eb2\u60c5\u4e2d\uff0c\u201c\u635f\u5931\u538c\u6076\u201d\u7684\u5fc3\u6001\u66f4\u4e3a\u9891\u7e41\u3002\u7236\u6bcd\u65e5\u590d\u4e00\u65e5\u7684\u4e3a\u6211\u4eec\u64cd\u5fc3\u3001\u52b3\u7d2f\uff0c\u4f9b\u6211\u4eec\u5b66\u4e60\u4e0e\u751f\u6d3b\u3002\u53ef\u80fd\u5c31\u662f\u56e0\u4e3a\uff0c\u4ed6\u6216\u5979\u6628\u5929\u4e0d\u5c0f\u5fc3\u5f04\u574f\u4e86\u4f60\u5f88\u559c\u6b22\u7684\u4e00\u4ef6\u4e1c\u897f\uff08\u6bd4\u5982\u8bf4\u8863\u670d\uff09\uff0c\u4fbf\u5bf9\u4ed6\u5927\u543c\u5927\u53eb\uff0c\u5435\u95f9\u5b8c\u540e\u8bdd\u4e5f\u4e0d\u548c\u4ed6\u8bf4\uff0c\u4e4b\u540e\u4ed6\u95ee\u4f60\u8bdd\u4f60\u4e5f\u4e0d\u7406\uff0c\u53ea\u662f\u4e00\u4e2a\u52b2\u7684\u5728\u5fc3\u91cc\u62b1\u6028\u4ed6\u7684\u4e0d\u5c0f\u5fc3\u3002\u4f46\u662f\u6211\u4eec\u5ffd\u7565\u4e86\uff0c\u5f53\u4ed6\u4eec\u7ed9\u6211\u4eec\u4e70\u90a3\u4ef6\u8863\u670d\u65f6\u5019\u7684\u559c\u60a6\u5fc3\u60c5\uff0c\u90a3\u65f6\u7684\u6211\u4eec\u662f\u591a\u4e48\u7684\u5f00\u5fc3\u4e0e\u5e78\u798f\u3002<\/p>\n
\u6240\u4ee5\uff0c\u5e94\u8be5\u5c3d\u91cf\u907f\u514d\u201c\u635f\u5931\u538c\u6076\u201d\u5fc3\u7406\u4f5c\u602a\uff0c\u5ba2\u89c2\u548c\u516c\u5e73\u5730\u5bf9\u5f85\u751f\u6d3b\u4e2d\u7684\u4eba\u548c\u4e8b\uff0c\u66f4\u8981\u5b66\u4f1a\u611f\u6069\uff0c\u8bb0\u597d\u4e0d\u8bb0\u574f\u3002\u90a3\u6837\u8bb0\u5fc6\u91cc\u5c31\u4e0d\u662f\u65e5\u590d\u4e00\u65e5\u7684\u62b1\u6028\u4e0e\u4e89\u5435\uff0c\u800c\u90fd\u662f\u5f00\u5fc3\u4e0e\u7f8e\u597d\u7684\u4e8b\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u4e00 \u635f\u5931\u538c\u6076\u662f\u6307\u4eba\u4eec\u9762\u5bf9\u540c\u6837\u6570\u91cf\u7684\u6536\u76ca\u548c\u635f\u5931\u65f6\uff0c\u8ba4\u4e3a\u635f\u5931\u66f4\u52a0\u4ee4\u4ed6\u4eec\u96be\u4ee5\u5fcd\u53d7\u3002\u540c\u91cf\u7684\u635f\u5931\u5e26\u6765\u7684\u8d1f\u6548\u7528\u4e3a\u540c\u91cf\u6536\u76ca\u7684 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5293","post","type-post","status-publish","format-standard","hentry","category-default"],"_links":{"self":[{"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/posts\/5293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/comments?post=5293"}],"version-history":[{"count":1,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/posts\/5293\/revisions"}],"predecessor-version":[{"id":5294,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/posts\/5293\/revisions\/5294"}],"wp:attachment":[{"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/media?parent=5293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/categories?post=5293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kyle.ai\/blog\/wp-json\/wp\/v2\/tags?post=5293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}