网上社区交流易导致冒险的财务决策-凯发k8官网

网上社区交流易导致冒险的财务决策
文章来源:未知 文章作者:enread 发布时间:2011-11-02 05:00 字体: [ ] 
(单词翻译:双击或拖选)

people who participate in online communities are more likely to make 1 financial decisions, according to a new study from researchers at rice university, the university of british columbia and the university of zurich. the study, "does online community 2 foster risky financial behavior?," has been accepted for publication in the journal of 3 research. utpal dholakia, professor of management at rice university, 4 (xinlei) chen and juliet zhu, professors of management at the university of british columbia and rené algesheimer, chair of marketing and market research at the university of zurich used a series of field and laboratory studies to examine the behavior of people participating in message boards and chat rooms on the lending website 5.com and the 6 website ebay.com.

"emerging evidence indicates that online community participation impacts many aspects of consumer behavior, and our findings reveal that this impact extends to financial decision-making," dholakia said.

findings from the paper include:
on the peer-to-peer lending site prosper.com, a study of 600 lenders conducted over an 18-month period showed that those who participated in online communities 7 8 loan 9(证券投资组合) and lent their money to borrowers with worse credit ratings and greater chances of default than community nonparticipants.
in a controlled field experiment conducted with more than 13,000 ebay customers over a two-year period, those who joined the online community engaged in riskier bidding behaviors by placing more bids on each item and spending more for items they won.
online community participants tend to believe that the community will support them in difficult situations, and this perceived support causes them to make riskier financial decisions.
the more active the participants are within the online community, the riskier their financial decisions tend to be.
these effects are stronger when the main topics of conversation of the online community are related to investing/bidding issues rather than socializing.

"participants in these sites somehow come to believe that their fellow community members will come to their aid when something goes wrong, but in reality, they are out there on their own and could suffer 10(不利的) consequences," dholakia said. "these communities are different from social networking sites like facebook, because the individuals involved are usually strangers whose identities are unknown to the consumer."

the study's main finding that online community participants engage in riskier decision-making is widely applicable and important, dholakia said.

he likened it to individuals who join an online support group run by a hospital, foundation or advocacy(主张,拥护) group or members of an online adolescent club. "this may lead to patients choosing riskier treatment options or engaging in high-risk behaviors, some of which could prove detrimental," he said.

because greater risk taking is usually associated with a greater likelihood of loss, online communities may lead consumers to act in ways that are harmful to not only them personally, dholakia said. "if, for example, members of a discount brokerage(折扣中间人) firm's online community invest more aggressively by buying riskier stocks that perform worse than market averages, this would affect them 11 and also hurt the firm's 12 and brand name," he said.



点击收听单词发音收听单词发音  

1 ixvxe     
adj.有风险的,冒险的
参考例句:
  • it may be risky but we will chance it anyhow.这可能有危险,但我们无论如何要冒一冒险。
  • he is well aware how risky this investment is.他心里对这项投资的风险十分清楚。
2 ks9zu     
n.参与,参加,分享
参考例句:
  • some of the magic tricks called for audience participation.有些魔术要求有观众的参与。
  • the scheme aims to encourage increased participation in sporting activities.这个方案旨在鼓励大众更多地参与体育活动。
3 boez7e     
n.行销,在市场的买卖,买东西
参考例句:
  • they are developing marketing network.他们正在发展销售网络。
  • he often goes marketing.他经常去市场做生意。
4 53hxp     
n.插座,千斤顶,男人;v.抬起,提醒,扛举;n.(jake)杰克
参考例句:
  • i am looking for the headphone jack.我正在找寻头戴式耳机插孔。
  • he lifted the car with a jack to change the flat tyre.他用千斤顶把车顶起来换下瘪轮胎。
5 irrxc     
v.成功,兴隆,昌盛;使成功,使昌隆,繁荣
参考例句:
  • with her at the wheel,the company began to prosper.有了她当主管,公司开始兴旺起来。
  • it is my earnest wish that this company will continue to prosper.我真诚希望这家公司会继续兴旺发达。
6 3uvzy     
n.拍卖;拍卖会;vt.拍卖
参考例句:
  • they've put the contents of their house up for auction.他们把房子里的东西全都拿去拍卖了。
  • they bought a new minibus with the proceeds from the auction.他们用拍卖得来的钱买了一辆新面包车。
7 xuyyq     
adj.疯狂的;拥有的,占有的
参考例句:
  • he flew out of the room like a man possessed.他像着了魔似地猛然冲出房门。
  • he behaved like someone possessed.他行为举止像是魔怔了。
8 4b337f01212613d2805f0ac853a3fd43     
冒险的,危险的( risky的比较级 )
参考例句:
  • now they are starting to demand higher returns on riskier assets. 而今他们开始在风险更高的资产上要求更高的回报。
  • the problem with that: rim's business is getting riskier every quarter. 不过问题也随之而来:rim面临的业务风险正逐季增大。
9 e8f0c85d58b4bbb32ca8f22222a8ee54     
n.投资组合( portfolio的名词复数 );(保险)业务量;(公司或机构提供的)系列产品;纸夹
参考例句:
  • price risk arises in non-trading portfolios, as well as in trading portfolios. 价格风险中出现的非贸易投资,以及在贸易投资组合。 来自互联网
  • how do we fatten our portfolios and stay financially healthy? 我们怎样育肥我们的投资结构和维持财政健康呢? 来自互联网
10 5xbzs     
adj.不利的;有害的;敌对的,不友好的
参考例句:
  • he is adverse to going abroad.他反对出国。
  • the improper use of medicine could lead to severe adverse reactions.用药不当会产生严重的不良反应。
11 6zezi6     
ad.有害地
参考例句:
  • we commented adversely upon the imbecility of that message of telegraphic style. 我们对着这条电报式的愚蠢的留言发泄了一通不满。
  • widely fluctuating exchange rates may adversely affect international trade. 浮动幅度很大的汇率可能会对国际贸易产生有害的影响。
12 2hczgo     
n.持续,地位;adj.永久的,不动的,直立的,不流动的
参考例句:
  • after the earthquake only a few houses were left standing.地震过后只有几幢房屋还立着。
  • they're standing out against any change in the law.他们坚决反对对法律做任何修改。
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