|
所在平台: Coursera |
课程主页: https://www.coursera.org/learn/duke-behavioral-finance
课程评论：没有评论
课程名称：行为金融学 课程概述：我们每天都会做出数千个决策，比如是否现在过马路、午餐吃薯条还是沙拉、应该给出租车司机多少小费。这些决策通常是毫不费力的，我们使用心理学家所称的“启发式”——便利的经验法则，帮助我们应对生活中的各种选择。然而，在某些情况下，这些启发式可能导致可预测的错误。如果我们能识别出这些偏见，我们就能避免这些错误。人们通常偏好卖出表现良好的投资，而对表现不佳的投资却执着于持有；我们可能选择不理想的保险支付计划，甚至购买不必要的保险。此外，许多人即便公司提供配套资助，仍然未能参加企业退休计划。 行为金融学就是研究这些可以避免的金融决策错误的学科，在本课程中，我们将探讨这些可预测的错误，并发现我们最容易受到影响的地方。本课程旨在指导参与者做出更好的金融选择，帮助你改善消费、储蓄和投资决策，以利于未来。 课程大纲： - 第一周：将探讨经典经济学模型下的消费者选择，研究人们在金融决策中的行为，与理性选择公理的偏离。 - 第二周：讨论我们如何扭曲概率以及“启发式偏见”的影响，理解这些偏见对我们决策的负面影响，特别是在决策结果重大时。 - 第三周：提供多个示例，展示思维启发式如何导致个体及整个金融市场的次优决策，并探讨如何运用对偏见的理解来改善金融决策。
Name:Week 1
Description:Welcome to the course! In this first week, we'll look at the classical economic model of consumer choice, which assumes that all of the decisions that we make are sensible, or “rational.” Once we have examined the underlying theory of how people should behave (especially around financial decisions), we will move on to examine how people do behave. We will focus in particular on situations in which we are most inclined to make decisions that appear to defy rational choice axioms.
Name:Week 2
Description:Welcome to the second week. In this session, we will discover how our minds are inclined to distort probabilities, and either underestimate or overestimate the likelihood of certain outcomes. We’ll also learn about “heuristic-driven bias”: the tendency to use rules of thumb that simplify the process of making decisions, but can also lead to predictable errors. These biases negatively affect our decision-making far more than we might expect; especially when the outcome of the decision has great significance for us.
Name:Week 3
Description:In the final week of the course, we will see multiple examples of how mental heuristics can lead us to make predictably sub-optimal financial decisions, both individually and across the entire financial markets. We will also discuss the many ways in which you can now improve your financial decision-making because of your deeper understanding of the innate biases that have tripped you up in the past!
We make thousands of decisions every day. Do I cross the road now, or wait for the oncoming truck to pass? Should I eat fries or a salad for lunch? How much should I tip the cab driver? We usually make these decisions with almost no thought, using what psychologists call “heuristics” – rules of thumb that enable us to navigate our lives. Without these mental shortcuts, we would be paralyzed by the multitude of daily choices. But in certain circumstances, these shortcuts lead to predictable errors – predictable, that is, if we know what to watch out for. Did you know, for example, that we are naturally biased towards selling investments that are doing well for us, but holding on to those that are doing poorly? Or that we often select sub-optimal insurance payment plans, and routinely purchase insurance that we don’t even need? And why do so many of us fail to enroll in our employer’s corporate retirement plans, even when the employer offers to match our contributions? Behavioral finance is the study of these and dozens of other financial decision-making errors that can be avoided, if we are familiar with the biases that cause them. In this course, we examine these predictable errors, and discover where we are most susceptible to them. This course is intended to guide participants towards better financial choices. Learn how to improve your spending, saving, and investing decisions for the future.
