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
99
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
A、Movehisplantsawayfromthewindow.B、Watertheplantsmoreoften.C、Lettheplantshavemoresunlight.D、Lethertakecare
A、Thewingsofanawlareverysmooth.B、Generallyspeaking,thefemaleowlislargerthanthemaleone.C、Noowllikestolive
Sportingactivitiesareessentiallymodifiedformsofhuntingbehavior.Viewingbiologically,themodern【S
Sportingactivitiesareessentiallymodifiedformsofhuntingbehavior.Viewingbiologically,themodern【S
Thephrase"Americandream"generallyreferstothehopesonehasforhisownwell-beinginAmerica.Itisnotnecessarilyasel
A、Buyatableintheshop.B、Eatatarestaurant.C、Lookforanicerestaurant.D、Orderamealbytelephone.B
Withhisknowledgeandexperience,he______(毫无疑问在不同的场合能胜任这项工作).
Americaisdefinitelyatelephonecountry,______(这归功于一个事实,即良好的电话服务),
A、In1848.B、In1858.C、In1868.D、In1878.C预览选项可知,本题考查时间,故听音时要留意短文中出现的相关时间。文中明确提到Edison’sfirstinvention…in1868,故答案为C)。
随机试题
直肠的齿状线
下列不属于实证表现的是
对于短暂性脑缺血发作不正确的是
H.S编码制度将所有国际贸易商品分为( )类。
在金融产品的偏好上,中小企业主的特征不同,产品选择也不同。一般而言,企业主导型更倚重金融产品的定制和丰富性:从投资咨询的偏好来说业余投资爱好者对于投资咨询有更高的要求。()
档案利用工作是档案工作的()
下列对于我国古代史实的描述,正确的一项是()。
幼儿记忆发展的显著特征是
求极限
arrivepastfinishedhurrymusthardworryalreadyWhysuchTheytried______tosucceed.
最新回复
(
0
)