首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds.
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds.
admin
2010-10-28
77
问题
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds. In order to stop borrowers from being hit by an accumulation of unpaid interest whenever they fail to pay their bill, there are laws requiring credit-card companies to specify a minimum payment in each statement. But these may do more harm than good, suggests Neil Stewart, a psychologist at Warwick University.
Mr. Stewart was studying a phenomenon known as "anchoring". Psychologists have found that being exposed to numbers, even irrelevant ones, can affect people’s decisions. For example, diners tend to spend more in a restaurant named "Cafe 97" than in one named "Cafe 17". Since minimum payments on credit-card statements are usually small amounts, Mr. Stewart wondered whether seeing an actual amount might make people pay less than they would otherwise have done. That is exactly what he found.
Mr. Stewart presented 413 people with fake credit-card bills of S 435.76 that were identical -- except that only half mentioned a minimum payment of £5.42. Participants were asked how much they would pay.
Among those inclined to pay the bill in full, the presence of the minimum payment hardly made any difference. However, those who wanted to pay just part of it handed over 43% less on average when presented with a minimum payment. In the real world, this would roughly double interest charges.
Economists will be interested in the results. Behavioral economists advocate" nudging(用肘轻推)" people in the right direction by subtly altering the choices that they are presented with. The insistence on minimum payments is a variation on this theme. Supposedly, those confronted by minimum-payment requirements should pay at least that much. In fact Mr. Stewart’s work suggests that people who would have paid a lot, paid less. In economics, as in life, nudging needs to be done carefully.
When presented with a minimum payment, those borrowers who tended to pay part of their bill would
选项
答案
hand over 43% less on average
解析
由情态动词would可知空白处要填入动同谓语;由定位句可知当规定了最小支付金额时,那些只想偿还部分账单的人的偿还数目平均减少了43%,故本题答案为hand over 43% less on average。
转载请注明原文地址:https://kaotiyun.com/show/puz7777K
0
大学英语六级
相关试题推荐
Althoughthefactthattodayvirusesareknownto【S1】______causecancerinanimalsandincertainplants,tha
Althoughthefactthattodayvirusesareknownto【S1】______causecancerinanimalsandincertainplants,tha
Althoughthefactthattodayvirusesareknownto【S1】______causecancerinanimalsandincertainplants,tha
A、Thewingsofanawlareverysmooth.B、Generallyspeaking,thefemaleowlislargerthanthemaleone.C、Noowllikestolive
Oursleeptimeoverthepastcenturyhasbeen【B1】______byalmost20percent.Generally,adultsneedtosleeponehourfore
Eachculturehasitsownformofacceptablegreetingbehavior,usuallybasedonthelevelofformalityfoundwithinthesociety.
A、Lackofvariety.B、Fullofvarieties.C、Freshbutnotdelicious.D、Attractiveandnutritious.A选项和特点有关。本题是细节题。从Americaistrad
A、Thecafeteriafoodisverybad.B、Thecafeteriafoodissoscarce.C、Thecafeteriafoodisquitedelicious.D、Thecafeteriafo
Imusthave______fortenminutesbeforethetelephoneoperatorputmethrough.
随机试题
意见有哪几种类型?
关于劳动合同中试用期的约定,错误的是()。
下列属于早期智人阶段的代表人类有( )。
________tonuclearradiation,evenforashorttime,mayinfluencegenesinhumanbodies.
下列属于边塞诗的诗句有()。
下面的诗句中所描述的典故,发生时间最早的是()。
西欧中世纪的骑士教育作为家庭教育形式,是普通人民的教育。
Thesourcesofanti-Christianfeelingweremanyandcomplex.Onthemoreintangibleside,therewasageneralpiqueagainstthe
WhendidthefamilyCarbecomecommoninAmerica?Intheearly______.
Accustomedthoughwearetospeakingofthefilmsmadebefore1927as"silent",thefilmhasneverbeen,inthefullsenseofth
最新回复
(
0
)