3 规则偏好
规则引导着人们的行为,尽管没有如法律一样的强制力,但因为被人们普遍认同所以具有规范人们行为的能力。然而,规则种类繁多、涉猎范围广泛。因此,即使在同一场景或面对同一事物时,也会存在两种或者两种以上的规则。伴随人么对认知的不用,会在生活过程的日积月累中产生不同的规则偏好,即对不同规则的喜好和厌恶程度不同。而人们由于自己怀有不同的规则偏好会对他人和事物产生不同的审视行为和判断,并对偏离自己所偏好的规则的他人行为作出反应,最终影响事物的状态。综合以上讨论,本文将结合经典的社会偏好博弈实验并拟构建携带规则偏好的函数模型,将规则偏好内化,作为解释变量考察个体信贷行为,从而来说明模型的解释能力。
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