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Essays In Financial Decision Making

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Two Essays In Financial Decision Making

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Author : Seok-kyun Hur
language : en
Publisher:
Release Date : 2002

Two Essays In Financial Decision Making written by Seok-kyun Hur and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Bayesian statistical decision theory categories.

Essays On Financial Decision Making

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Author : Thomas Spycher
language : en
Publisher:
Release Date : 2019

Essays On Financial Decision Making written by Thomas Spycher and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.

This thesis contains four essays on financial decision making. The first two essays examine the influence of cultural group membership on the accumulation of financial literacy and on intertemporal choice. The chapters exploit the Swiss language border as a natural laboratory to study the influence of culture and document substantial differences in behavior based on a self-collected survey dataset of 15-year olds living along the language border in the canton of Fribourg. An analysis of underlying channels suggests that observed differences in financial literacy and intertemporal choice are rather related to systematic differences in social norms than to differences in time and risk preferences. The third essay investigates the influence of an extended cooling-off period for personal loans. A cooling-off period grants a borrower the right to withdraw from a signed credit contract. Cooling-off periods are a commonly used tool for consumer financial protection, but little empirical evidence exists on its use and how changes in its duration affect consumer behavior. Based on a large sample of loan offers in Switzerland, I document that cooling-off periods are rarely used. Less than 0.6\% of accepted loan offers are withdrawn by the borrower. The extension of the period from 7 to 14 days did not increase the propensity to make use of the right to withdraw but rather increased the cost of regulation as credit providers disburse loans only after the cooling-off period. The last essay examines how the numeracy level of employees is related to the quality of their on-the-job decisions. Employers place significant weight on the numerical skills of employees and the level of numeracy is associated with labor market outcomes. Based on an administrative dataset of a retail bank the study relates the performance of loan officers in a standardized math test to the accuracy of their credit assessments of small business borrowers. Results sug.

Essays On Financial Decision Making

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Author : Corey A. Shank
language : en
Publisher:
Release Date : 2017

Essays On Financial Decision Making written by Corey A. Shank and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with Decision making categories.

Essays On Financial Literacy Cognitive Ability And Financial Decision Making

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Author : Amelina Apricia Sjam
language : en
Publisher:
Release Date : 2021

Essays On Financial Literacy Cognitive Ability And Financial Decision Making written by Amelina Apricia Sjam and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.

Essays In Financial Decision Making

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Author : Immanuel Lampe
language : en
Publisher:
Release Date : 2022

Essays In Financial Decision Making written by Immanuel Lampe and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.

The three projects of this thesis investigate consumers' financial decision making. For two projects I employ survey questions to elicit subjects' preferences and link these to insurance demand decisions. In the third project I conduct an experiment on a representative sample to find out how prospect theory should best be applied to an intertemporal context.

Behavioral Aspects Of Financial Decision Making

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Author : Emanuela Trifan
language : de
Publisher: Sudwestdeutscher Verlag Fur Hochschulschriften AG
Release Date : 2009

Behavioral Aspects Of Financial Decision Making written by Emanuela Trifan and has been published by Sudwestdeutscher Verlag Fur Hochschulschriften AG this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Finance categories.

The present work seeks for a deeper motivation of those financial market behaviors that remained unexplained by traditional economic theories. It is the result of some years of research in the areas of Behavioral Finance and Market Microstructure. The work undertakes the challenging task of quantifying "less-rational" aspects of financial decision-making, such as simplified trading rules, emotional reactions, and subjective perceptions and beliefs. To this purpose, not only are traditional models extended in order to account for behavioral elements, but also new models and measures are developed and tested by means of numerical simulations. Surprisingly, it appears that rational trading is not the only way to make money, and the presence of less-than-perfectly rational traders can be compatible with stable and efficient markets. Not only trading decisions but also investment decisions are highly sensitive to subjective attitudes. The work helps to identify several trading and investment strategies that ensure the success and survival of their users and maximize their risky holdings, respectively.