{"id":23382,"date":"2022-10-01T16:30:11","date_gmt":"2022-10-01T08:30:11","guid":{"rendered":"https:\/\/\/?p=23382"},"modified":"2022-10-18T11:00:05","modified_gmt":"2022-10-18T03:00:05","slug":"behavioral-economics-in-finance-10","status":"publish","type":"post","link":"https:\/\/\/behavioral-economics-in-finance-10\/","title":{"rendered":"\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\uff1f10\u500b\u5e38\u898b\u7684\u884c\u70ba\u91d1\u878d\u504f\u8aa4\u5206\u6790"},"content":{"rendered":"<!-- \/367108978\/Rich01_PC_up_728x90 -->\n\t<div class='div-gpt-ad-css' id='div-gpt-ad-1564472272479-0' style='width: 728px; height: 90px;'>\n\t  <script>\n\t\tgoogletag.cmd.push(function() { googletag.display('div-gpt-ad-1564472272479-0'); });\n\t  <\/script>\n\t<\/div><p><img decoding=\"async\" class=\"alignnone size-full wp-image-43277\" src=/index.html"https:\/\/\/wp-content\/uploads\/20221018105924_54.jpg\" alt=\"\u884c\u70ba\u7d93\u6fdf\u5b78-\u91d1\u878d\u504f\u8aa4\" width=\"2090\" height=\"1094\" srcset=\"https:\/\/\/wp-content\/uploads\/20221018105924_54.jpg 2090w, https:\/\/\/wp-content\/uploads\/20221018105924_54-1536x804.jpg 1536w, https:\/\/\/wp-content\/uploads\/20221018105924_54-2048x1072.jpg 2048w\" sizes=\"(max-width: 2090px) 100vw, 2090px\" 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<strong>\u884c\u70ba\u91d1\u878d\u5b78<\/strong>\u3002<\/p>\n<p>\u9019\u7bc7\u6587\u7ae0\u5e02\u5834\u5148\u751f\u4ecb\u7d39\u884c\u70ba\u7d93\u6fdf\u5b78\uff0c\u5206\u70ba\u4ee5\u4e0b\u5e7e\u500b\u90e8\u5206\uff1a<\/p>\n<p><!--more--><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">\u672c\u6587\u5e02\u5834\u5148\u751f\u6703\u544a\u8a34\u4f60\uff1a<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6612b2434c547\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6612b2434c547\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#%E8%A1%8C%E7%82%BA%E7%B6%93%E6%BF%9F%E5%AD%B8%E6%98%AF%E4%BB%80%E9%BA%BC%E6%84%8F%E6%80%9D%EF%BC%9F\" title=\"\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#10%E5%80%8B%E8%A1%8C%E7%82%BA%E9%87%91%E8%9E%8D%E5%81%8F%E8%AA%A4%E7%9A%84%E4%BE%8B%E5%AD%90%E8%AA%AA%E6%98%8E\" title=\"10\u500b\u884c\u70ba\u91d1\u878d\u504f\u8aa4\u7684\u4f8b\u5b50\u8aaa\u660e\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">10\u500b\u884c\u70ba\u91d1\u878d\u504f\u8aa4\u7684\u4f8b\u5b50\u8aaa\u660e<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#1_%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6Mental_Accounting\" title=\"1. \u5fc3\u7406\u5e33\u6236(Mental Accounting)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">1. \u5fc3\u7406\u5e33\u6236(Mental Accounting)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#2_%E5%BE%9E%E7%9C%BE%E8%A1%8C%E7%82%BAHerd_Mentality\" title=\"2. \u5f9e\u773e\u884c\u70ba(Herd Mentality)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">2. \u5f9e\u773e\u884c\u70ba(Herd Mentality)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#3_%E6%90%8D%E5%A4%B1%E8%A6%8F%E9%81%BFLoss_Aversion\" title=\"3. \u640d\u5931\u898f\u907f(Loss Aversion)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">3. \u640d\u5931\u898f\u907f(Loss Aversion)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#4_%E6%B2%89%E6%B2%A1%E6%88%90%E6%9C%ACSunk_Costs\" title=\"4. \u6c89\u6ca1\u6210\u672c(Sunk Costs)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">4. \u6c89\u6ca1\u6210\u672c(Sunk Costs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#5_%E8%B3%AD%E5%BE%92%E8%AC%AC%E8%AA%A4Gamblers_Fallacy\" title=\"5. \u8ced\u5f92\u8b2c\u8aa4(Gambler\u2019s Fallacy)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">5. \u8ced\u5f92\u8b2c\u8aa4(Gambler\u2019s Fallacy)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#6_%E6%8E%A7%E5%88%B6%E7%9A%84%E9%8C%AF%E8%A6%BAIllusion_of_Control\" title=\"6. \u63a7\u5236\u7684\u932f\u89ba(Illusion of Control)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">6. \u63a7\u5236\u7684\u932f\u89ba(Illusion of Control)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#7_%E9%81%B8%E6%93%87%E6%82%96%E8%AB%96Paradox_of_Choice\" title=\"7. \u9078\u64c7\u6096\u8ad6(Paradox of Choice)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">7. \u9078\u64c7\u6096\u8ad6(Paradox of Choice)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#8_%E7%A2%BA%E8%AA%8D%E5%81%8F%E8%AA%A4Confirmation_Bias\" title=\"8. \u78ba\u8a8d\u504f\u8aa4(Confirmation Bias)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">8. \u78ba\u8a8d\u504f\u8aa4(Confirmation Bias)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#9_%E9%8C%A8%E5%AE%9A%E5%81%8F%E8%A6%8BAnchoring_Bias\" title=\"9. \u9328\u5b9a\u504f\u898b(Anchoring Bias)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">9. \u9328\u5b9a\u504f\u898b(Anchoring Bias)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#10_%E6%83%85%E7%B7%92Emotions\" title=\"10. \u60c5\u7dd2(Emotions)\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">10. \u60c5\u7dd2(Emotions)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=/index.html"https:\/\/\/behavioral-economics-in-finance-10\/#%E5%BF%AB%E9%80%9F%E9%87%8D%E9%BB%9E%E6%95%B4%E7%90%86%EF%BC%9A%E8%A1%8C%E7%82%BA%E7%B6%93%E6%BF%9F%E5%AD%B8%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\" title=\"\u5feb\u901f\u91cd\u9ede\u6574\u7406\uff1a\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\uff1f\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5feb\u901f\u91cd\u9ede\u6574\u7406\uff1a\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E8%A1%8C%E7%82%BA%E7%B6%93%E6%BF%9F%E5%AD%B8%E6%98%AF%E4%BB%80%E9%BA%BC%E6%84%8F%E6%80%9D%EF%BC%9F\"><\/span>\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u50b3\u7d71\u7684\u91d1\u878d\u7406\u8ad6\u8a8d\u70ba\uff0c\u5e02\u5834\u548c\u6295\u8cc7\u4eba\u662f\u7406\u6027\u7684\uff0c\u6295\u8cc7\u4eba\u6709\u5b8c\u7f8e\u7684\u81ea\u6211\u63a7\u5236\u80fd\u529b\uff0c\u6703\u88ab\u8a8d\u77e5\u932f\u8aa4\u6216\u5404\u7a2e\u932f\u8aa4\u8a0a\u606f\u5e72\u64fe\u3002<\/p>\n<p>\u7576\u7136\uff0c\u9019\u5f88\u660e\u986f\u662f\u4e00\u500b\u5047\u8a2d\uff0c\u4e0d\u662f\u4e8b\u5be6\u3002<\/p>\n<p>\u7562\u7adf\u5b78\u8853\u7814\u7a76\u4e0a\uff0c\u4f60\u4e0d\u5148\u9019\u6a23\u5047\u8a2d\uff0c\u5f8c\u9762\u5f88\u591a\u63a8\u8ad6\u548c\u8a08\u7b97\u90fd\u6c92\u8fa6\u6cd5\u9032\u884c\u4e0b\u53bb\uff0c\u4e0d\u904e\u73fe\u5be6\u4e16\u754c\u4e26\u6c92\u6709\u5b78\u8853\u5047\u8a2d\u7684\u9019\u9ebc\u5b8c\u7f8e\u3002<\/p>\n<p>\u884c\u70ba\u7d93\u6fdf\u5b78\uff08\u82f1\u6587\uff1aBehavioral Economics\uff09\u8a8d\u70ba\uff0c\u6295\u8cc7\u4eba\u5176\u5be6\u4e26\u975e\u5b8c\u5168\u662f\u300c<strong>\u7406\u6027\u300d<\/strong>\u7684\uff0c\u4ed6\u5011\u7684\u81ea\u6211\u63a7\u5236\u80fd\u529b\u6709\u9650\uff0c\u5bb9\u6613\u53d7\u5230\u81ea\u5df1\u504f\u898b\u7684\u5f71\u97ff\uff0c\u4e26\u4e14\u6703\u51fa\u73fe\u8a8d\u77e5\u932f\u8aa4\u3001\u5c0e\u81f4\u932f\u8aa4\u7684\u6c7a\u5b9a\u3002<\/p>\n<p>\u884c\u70ba\u7d93\u6fdf\u5b78\u6703\u900f\u904e\u4e0d\u540c\u5c64\u9762\u4f86\u5206\u6790\uff0c\u5728\u91d1\u878d\u3001\u5546\u696d\u3001\u884c\u92b7\u4e0a\u90fd\u6709\u61c9\u7528\uff0c<\/p>\n<p>\u5e02\u5834\u5148\u751f\u6bd4\u8f03\u611f\u8208\u8da3\u7684\u662f\u91d1\u878d\u7406\u8ca1\u9818\u57df\uff0c\u5728\u884c\u70ba\u7d93\u6fdf\u5b78\u88cf\u9762\u6709\u500b\u5206\u652f\u5c08\u9580\u7814\u7a76\u91d1\u878d\u884c\u70ba\uff0c\u7a31\u70ba<strong>\u884c\u70ba\u91d1\u878d\uff08\u82f1\u6587\uff1a<\/strong>Behavioral Finance\uff09<strong>\u3002<\/strong><\/p>\n<p>\u4f8b\u5982\u8a8d\u70ba\u8b49\u5238\u7684\u5e02\u5834\u50f9\u683c\u4e0d\u662f\u7531\u8b49\u5238\u5167\u5728\u50f9\u503c\u6c7a\u5b9a\uff0c\u53cd\u800c\u5f88\u5927\u7a0b\u5ea6\u662f\u53d7\u5230\u6295\u8cc7\u4eba\u7684\u884c\u70ba\u5f71\u97ff\uff0c\u5b83\u8207\u6548\u7387\u5e02\u5834\u5047\u8aaa(efficient market hypothesis , EMH)\u662f\u76f8\u53cd\u7684\u5b78\u8aaa\u3002<\/p>\n<p>\u884c\u70ba\u91d1\u878d\u8a8d\u70ba\uff0c\u5982\u679c\u6548\u7387\u5e02\u5834\u5047\u8aaa\u662f\u4e8b\u5be6\uff0c\u5373\u4f7f\u6709\u5c08\u5bb6\u900f\u904e\u9078\u80a1\u6216\u89c0\u5bdf\u5e02\u5834\u6642\u6a5f\uff0c\u4e5f\u4e0d\u53ef\u80fd\u8d85\u8d8a\u6574\u500b\u5e02\u5834\u7684\u8868\u73fe\uff0c\u6295\u8cc7\u8005\u80fd\u5920&#8221;\u6230\u52dd\u5e02\u5834&#8221;\u7684\u552f\u4e00\u65b9\u6cd5\u662f\u8cfc\u8cb7\u98a8\u96aa\u66f4\u9ad8\u7684\u6295\u8cc7\u3002<\/p>\n<p>\u4f46\u4e8b\u5be6\u4e0a\uff0c\u5df4\u83f2\u7279\u537b\u900f\u904e\u9078\u80a1\u3001\u89c0\u5bdf\u5e02\u5834\uff0c\u9577\u671f\u6301\u7e8c\u5730\u300c\u6230\u52dd\u5e02\u5834\u300d\uff0c\u4e26\u64c1\u6709\u66f4\u597d\u7684\u5831\u916c\u7684\u5be6\u969b\u4f8b\u5b50\u3002<\/p>\n<blockquote><p><strong>\u4ec0\u9ebc\u662f\u6548\u7387<\/strong><strong>\u5e02\u5834\u5047\u8aaa\uff1f<br \/>\n<\/strong>\u6548\u7387\u5e02\u5834\u5047\u8aaa\u8a8d\u70ba\uff0c\u80a1\u50f9\u5728\u4efb\u4f55\u6642\u5019\u90fd\u53cd\u6620\u4e86\u95dc\u65bc\u67d0\u9805\u6295\u8cc7\u6216\u5e02\u5834\u7684\u6240\u6709\u8a0a\u606f\uff0c\u56e0\u6b64\u6295\u8cc7\u4eba\u4e0d\u80fd\u8cfc\u8cb7\u88ab\u4f4e\u4f30\u7684\u80a1\u7968\u6216\u4ee5\u904e\u65bc\u6602\u8cb4\u7684\u50f9\u683c\u51fa\u552e\u80a1\u7968\uff0c\u6548\u7387\u5e02\u5834\u5047\u8aaa\u8a8d\u70ba\u5c0b\u627e\u88ab\u4f4e\u4f30\u7684\u80a1\u7968\u6216\u8a66\u5716\u900f\u904e\u57fa\u672c\u9762\u3001\u6280\u8853\u5206\u6790\u4f86\u9810\u6e2c\u5e02\u5834\u8da8\u52e2\u662f\u6c92\u6709\u597d\u8655\u7684\u3002<\/p>\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u7576\u4e0b\u80a1\u50f9\u5c31\u662f\u7576\u4e0b\u6700\u6b63\u78ba\u7684\u50f9\u683c\uff0c\u6c92\u6709\u932f\u8aa4\uff0c\u4e5f\u7121\u5229\u53ef\u5716\u3002<\/p>\n<p>\u9019\u7406\u8ad6\u7576\u7136\u4e0d\u73fe\u5be6\uff0c\u5426\u5247\u5df4\u83f2\u7279\u9019\u7a2e\u7e3e\u6548\u6301\u7e8c\u6230\u52dd\u5e02\u5834\u3001\u64c1\u6709\u9577\u671f\u8d85\u984d\u5831\u916c\u7684\u4eba\u4e0d\u61c9\u8a72\u5b58\u5728\u3002\u4f46\u4e5f\u4e0d\u80fd\u8aaa\u5b83\u5b8c\u5168\u6c92\u6709\u7528\uff0c\u6211\u5011\u53ea\u80fd\u8aaa\uff1a\u5e02\u5834\u67d0\u4e9b\u6642\u5019\u6709\u6548\u7387\uff0c\u4f46\u4e5f\u6709\u6642\u6975\u5ea6\u4e0d\u6548\u7387\u3002<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"10%E5%80%8B%E8%A1%8C%E7%82%BA%E9%87%91%E8%9E%8D%E5%81%8F%E8%AA%A4%E7%9A%84%E4%BE%8B%E5%AD%90%E8%AA%AA%E6%98%8E\"><\/span>10\u500b\u884c\u70ba\u91d1\u878d\u504f\u8aa4\u7684\u4f8b\u5b50\u8aaa\u660e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u8207\u5176\u770b\u7406\u8ad6\uff0c\u4e0d\u5982\u4f86\u770b\u770b\u9019\u4e9b\u7814\u7a76\u5728\u505a\u4e9b\u4ec0\u9ebc\u3002<\/p>\n<p>\u884c\u70ba\u91d1\u878d\u89e3\u91cb\u4e86\u500b\u4eba\u548c\u6a5f\u69cb\u7684\u6c7a\u7b56\u5982\u4f55\u53d7\u5230\u5fc3\u7406\u56e0\u7d20\u7684\u5f71\u97ff\uff0c\u4ee5\u53ca\u70ba\u4ec0\u9ebc\u4ed6\u5011\u7684\u884c\u70ba\u5f80\u5f80\u662f\u975e\u7406\u6027\u7684\uff0c<\/p>\n<p>\u800c\u9019\u7a2e\u975e\u7406\u6027\u7684\u884c\u70ba\u4e3b\u8981\u662f\u7531\u504f\u898b\u9020\u6210\u7684\uff0c\u9019\u4e9b\u504f\u898b\u6703\u5f71\u97ff\u6295\u8cc7\u4eba\u7684\u91d1\u878d\u6c7a\u7b56\u3002<\/p>\n<p>\u5e95\u4e0b\u5217\u51fa10\u500b\u884c\u70ba\u91d1\u878d\u5e38\u898b\u7684\u4f8b\u5b50\uff0c\u9019\u4e9b\u4f8b\u5b50\u5176\u5be6\u4e00\u822c\u666e\u901a\u4eba\u4e5f\u6642\u5e38\u6703\u72af\u985e\u4f3c\u7684\u932f\uff0c<\/p>\n<p>\u900f\u904e\u4e86\u89e3\u884c\u70ba\u7d93\u6fdf\u5b78\u7684\u7814\u7a76\uff0c\u6211\u5011\u53ef\u4ee5\u767c\u89ba\u81ea\u5df1\u5e73\u5e38\u6c92\u5bdf\u89ba\u5230\u7684\u504f\u898b\uff0c\u9032\u800c\u6539\u6b63\u81ea\u5df1\u7684\u884c\u52d5\uff1a<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6Mental_Accounting\"><\/span>1. \u5fc3\u7406\u5e33\u6236(Mental Accounting)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5fc3\u7406\u5e33\u6236(Mental Accounting)\u7684\u6982\u5ff5\uff0c\u6700\u65e9\u662f\u75312017\u5e74\u7684\u8afe\u8c9d\u723e\u7d93\u6fdf\u5b78\u734e\u5f97\u4e3b-\u7406\u5bdf\u00b7\u585e\u52d2(Richard Thaler)\u63d0\u51fa\u3002<\/p>\n<p>\u585e\u52d2\u8a8d\u70ba\u9664\u4e86\u9322\u5305\u9019\u7a2e\u5be6\u969b\u7684\u5e33\u6236\u4e4b\u5916\uff0c\u6bcf\u500b\u4eba\u5176\u5be6\u90fd\u6709\u5fc3\u7406\u5e33\u6236\uff0c\u4eba\u5011\u6703\u900f\u904e\u5fc3\u7406\u5e33\u6236\u4f86\u9032\u884c\u5404\u5f0f\u5404\u6a23\u7684\u7d93\u6fdf\u6c7a\u7b56\u3002<\/p>\n<p>\u4eba\u5011\u6703\u628a\u5728\u73fe\u5be6\u4e2d\u5ba2\u89c0\u7b49\u50f9\u7684\u652f\u51fa\u6216\u6536\u76ca\uff0c\u5728\u5fc3\u7406\u4e0a\u5283\u5206\u5230\u4e0d\u540c\u7684\u5e33\u6236\u4e2d\u3002<\/p>\n<p><strong>\u8209\u4f8b\u4f86\u8aaa\uff1a<\/strong><\/p>\n<p>\u5de5\u4f5c\u5f88\u8f9b\u82e6\u6240\u4ee5\u7372\u5f97\u7684\u85aa\u6c34\uff0c\u6703\u88ab\u6b78\u985e\u5230\u300c\u52e4\u52de\u300d\u7684\u5e33\u6236\u4e2d\uff1b<br \/>\n\u5e74\u7d42\u734e\u91d1\u5247\u88ab\u6b78\u985e\u5230\u300c\u734e\u52f5\u300d\u5e33\u6236\uff1b\u767c\u7968\u4e2d\u734e\u5247\u88ab\u6b78\u985e\u5230\u300c\u5929\u4e0a\u6389\u4e0b\u7684\u79ae\u7269\u300d\u5e33\u6236\u4e2d\u3002<\/p>\n<ul>\n<li><span style=\"font-size: 16px;\"><strong>\u52e4\u52de\u5e33\u6236<\/strong>\u88e1\u9762\u7684\u9322\uff0c\u4eba\u5011\u6703\u7cbe\u6253\u7d30\u7b97\u4f86\u4f7f\u7528\uff1b<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>\u734e\u52f5\u5e33\u6236<\/strong>\u88e1\u9762\u7684\u9322\uff0c\u5247\u6703\u7528\u6bd4\u8f03\u8f15\u9b06\u7684\u614b\u5ea6\u82b1\u8cbb\uff0c\u4f8b\u5982\u904e\u5e74\u6642\u62ff\u53bb\u8cb7\u65b0\u8863\u670d\uff1b<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>\u5929\u4e0a\u6389\u4e0b\u7684\u79ae\u7269\u5e33\u6236<\/strong>\uff0c\u4eba\u5011\u5247\u6703\u66f4\u96a8\u610f\u7684\u82b1\u8cbb\u3001\u66f4\u5bb9\u6613\u885d\u52d5\u82b1\u8cbb\u6389\u3002<\/span><\/li>\n<\/ul>\n<p>\u4f46\u5be6\u969b\u4e0a\uff0c\u52e4\u52de\u5e33\u6236\u76841\u842c\u5143\u3001\u734e\u52f5\u5e33\u6236\u76841\u842c\u5143\u3001\u5929\u4e0a\u6389\u4e0b\u7684\u79ae\u7269\u5e33\u62361\u842c\u5143\uff0c\u9019\u4e9b\u5e33\u6236\u7684\u91d1\u984d\u90fd\u662f\u76f8\u540c\u7684\uff0c\u4f46\u537b\u6703\u5f71\u97ff\u4eba\u5011\u7684\u6d88\u8cbb\u6c7a\u7b56\u3002<\/p>\n<p>\u518d\u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u5728\u770b\u96fb\u5f71\u7684\u8def\u4e0a\u5f04\u4e1f\u50f9\u503c500\u5143\u7684\u96fb\u5f71\u7968\uff0c\u4f60\u6703\u60f3\u8aaa\u7b97\u4e86\u3001\u96fb\u5f71\u5c31\u4e0d\u770b\u4e86\u3002<\/p>\n<p>\u4f46\u5982\u679c\u4eca\u5929\u4f60\u9084\u6c92\u8cb7\u7968\uff0c\u800c\u662f\u5f04\u4e1f\u4e86500\u5143\uff0c\u9019\u6642\u4f60\u4e26\u4e0d\u6703\u6539\u8b8a\u53bb\u770b\u96fb\u5f71\u7684\u6c7a\u7b56\u3002<\/p>\n<p>\u540c\u6a23\u90fd\u662f500\u5143\u50f9\u503c\u7684\u640d\u5931\uff0c\u4f46\u6700\u5f8c\u9020\u6210\u7684\u6c7a\u7b56\u537b\u5b8c\u5168\u4e0d\u540c\uff0c\u9019\u5c31\u662f\u5fc3\u88e1\u5e33\u6236\u7684\u5f71\u97ff\uff0c\u56e0\u70ba500\u5143\u73fe\u91d1\u548c\u96fb\u5f71\u7968\uff0c\u5176\u5be6\u5206\u5c6c\u5169\u500b\u4e0d\u540c\u5e33\u6236\u3002<\/p>\n<p>\u4eba\u5011\u53d7\u5230\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff\u5c64\u9762\u975e\u5e38\u591a\uff0c<\/p>\n<p>\u7814\u7a76\u767c\u73fe\u7576\u4eba\u5011\u4f7f\u7528\u4fe1\u7528\u5361\u6216\u5176\u4ed6\u7121\u73fe\u91d1\u652f\u4ed8\u65b9\u5f0f\u6642\uff0c\u5f80\u5f80\u9858\u610f\u6bd4\u7528\u73fe\u91d1\u652f\u4ed8\u66f4\u591a\uff1b<\/p>\n<p>\u800c\u7576\u4f7f\u7528\u73fe\u91d1\u800c\u4e0d\u662f\u4fe1\u7528\u5361\u652f\u4ed8\u6642\uff0c\u4ed6\u5011\u53cd\u800c\u6703\u66f4\u6e96\u78ba\u5730\u8a18\u4f4f\u8cfc\u7269\u91d1\u984d\uff0c\u80cc\u5f8c\u7684\u539f\u56e0\u5c31\u662f\u4fe1\u7528\u5361\u548c\u73fe\u91d1\u662f\u4e0d\u540c\u7684\u5fc3\u7406\u5e33\u6236\u3002<\/p>\n<p>\u5982\u679c\u4f60\u60f3\u8981\u66f4\u7cbe\u660e\u7406\u8ca1\u3001\u7406\u6027\u6d88\u8cbb\uff0c\u4e0d\u9677\u5165\u5fc3\u7406\u5e33\u6236\u7684\u9677\u9631\uff0c\u5efa\u8b70\u5c31\u5148\u6e05\u695a\u81ea\u5df1\u7684\u5fc3\u7406\u5e33\u6236\u6709\u54ea\u4e9b\uff0c\u4e26\u4e14\u63db\u4f4d\u601d\u8003\u60f3\u4e00\u60f3\uff0c\u4f86\u6291\u5236\u885d\u52d5\u82b1\u8cbb\u7684\u884c\u70ba\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u5fc3\u7406\u5e33\u6236\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u5ba2\u89c0\u6aa2\u8996\u81ea\u5df1\u82b1\u8cbb\u7684\u7fd2\u6163\uff1a\u5982\u679c\u4f60\u7528\u4fe1\u7528\u5361\u6bd4\u4f7f\u7528\u73fe\u91d1\u66f4\u5bb9\u6613\u82b1\u9322\uff0c\u4ee3\u8868\u5169\u8005\u4f4d\u65bc\u4e0d\u540c\u7684\u5fc3\u7406\u5e33\u6236\uff0c\u90a3\u628a\u4fe1\u7528\u5361\u526a\u6389\u4e5f\u8a31\u662f\u7a2e\u7701\u9322\u65b9\u5f0f\u3002<\/p>\n<p>2. \u5e6b\u81ea\u5df1\u5efa\u7acb\u5e33\u6236\uff1a\u5132\u84c4\u5e33\u6236\u3001\u8cb7\u623f\u5e33\u6236\u3001\u8ca1\u52d9\u81ea\u7531\u5922\u60f3\u5e33\u6236\uff0c\u4e26\u4e14\u5f80\u88e1\u9762\u5b58\u4e0b\u9322\u3002\u904b\u7528\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff\uff0c\u9019\u4e9b\u4e0d\u540c\u7684\u5e33\u6236\uff0c\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u5e6b\u4f60\u514b\u5236\u652f\u51fa\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"2_%E5%BE%9E%E7%9C%BE%E8%A1%8C%E7%82%BAHerd_Mentality\"><\/span>2. \u5f9e\u773e\u884c\u70ba(Herd Mentality)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5f9e\u773e\u884c\u70ba(Herd Mentality)\u4e5f\u88ab\u7a31\u70ba<strong>\u7f8a\u7fa4\u6548\u61c9<\/strong>\uff0c\u662f\u6307\u4eba\u5011\u559c\u6b61\u6a21\u4eff\u591a\u6578\u4eba\u7684\u4e00\u81f4\u601d\u60f3\u6216\u884c\u52d5\uff0c\u4e3b\u56e0\u662f\u53d7\u5230\u793e\u6703\u58d3\u529b\u56e0\u7d20\u5f71\u97ff\uff0c\u751a\u81f3\u8a8d\u70ba\u5927\u7fa4\u9ad4\u4e0d\u592a\u53ef\u80fd\u51fa\u932f\u7b49\u7406\u7531\u3002<\/p>\n<p>\u5728\u91d1\u878d\u5e02\u5834\u6700\u5e38\u770b\u5230\u7684\u72c0\u6cc1\uff0c\u5c31\u662f\u6295\u8cc7\u4eba\u5c0d\u5206\u6790\u5e2b\u7684\u5efa\u8b70\u8da8\u4e4b\u82e5\u9da9\uff0c\u5047\u4f7f\u4e00\u9593\u516c\u53f8\u8ca1\u52d9\u4e0a\u5176\u5be6\u6c92\u6709\u5065\u5168\u7684\u5546\u696d\u6a21\u5f0f\uff0c<\/p>\n<p>\u4f46\u5206\u6790\u5e2b\u5efa\u8b70\u5927\u5bb6\u6295\u8cc7\uff0c\u90a3\u9ebc\u8a31\u591a\u6295\u8cc7\u4eba\u5c31\u6703\u9078\u64c7\u6295\u8cc7\uff0c\u7406\u7531\u901a\u5e38\u662f\u300c\u56e0\u70ba\u5176\u4ed6\u4eba\u90fd\u9019\u6a23\u505a\u300d\u3002<\/p>\n<p>\u9019\u4e0d\u53ea\u6703\u767c\u751f\u5728\u4e00\u822c\u6295\u8cc7\u4eba\uff0c\u5373\u4fbf\u662f\u5c08\u696d\u7684\u6295\u8cc7\u5c08\u5bb6\u4e5f\u6703\u9047\u5230\u985e\u4f3c\u7684\u554f\u984c\u3002<\/p>\n<p>\u9664\u4e86\u5206\u6790\u5e2b\u4ee5\u5916\uff0c\u6700\u8fd1\u6f32\u591a\u7684\u6a19\u7684\u4e5f\u5bb9\u6613\u88ab\u773e\u4eba\u8ffd\u6367\uff0c\u5373\u4fbf\u4eba\u5011\u8aaa\u4e0d\u6e05\u695a\u70ba\u4ec0\u9ebc\u4e0a\u6f32\u53ca\u50f9\u503c\uff0c\u4f46\u4eba\u5011\u537b\u4f9d\u7136\u6025\u8457\u8cb7\u5165\u9019\u4e9b\u80a1\u7968\u6a19\u7684\u3002<\/p>\n<p>\u53e6\u5916\u4e00\u500b\u4f8b\u5b50\u662f\uff0c\u6295\u8cc7\u4eba\u5f80\u5f80\u559c\u6b61\u6309\u7167\u5b57\u6bcd\u9806\u5e8f\u9032\u884c\u6295\u8cc7\uff0c\u50cf\u662f\u5e38\u5e38\u6703\u6839\u64da\u6e05\u55ae\u4e0a\u7684\u201dA\u201d\u4f86\u958b\u59cb\u9078\u64c7\u5408\u4f5c\u5ee0\u5546 (\u4f8b\u5982\u6709\u4e9b\u5238\u5546\u5728\u5217\u51fa\u6e05\u55ae\u6642\u662f\u6309\u7167\u5b57\u6bcd\u6392\u5217)\uff0c<\/p>\n<p>\u800cGoogle\u57282015\u5e74\u5c07\u5b50\u516c\u53f8\u540d\u7a31\u6539\u70baAlphabet\uff0cApple\u3001Amazon\u516c\u53f8\u6700\u521d\u53d6\u540d\u4ee5A\u958b\u982d\uff0c\u4e5f\u53ef\u80fd\u90fd\u662f\u8003\u616e\u4e86\u884c\u70ba\u91d1\u878d\u7684\u5f9e\u773e\u5fc3\u7406\u4f86\u6c7a\u7b56\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u5f9e\u773e\u884c\u70ba\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u6240\u8b02\u4eba\u591a\u7684\u5730\u65b9\u4e0d\u8981\u53bb\u3002\u5982\u679c\u4f60\u5f88\u5bb9\u6613\u53d7\u4ed6\u4eba\u5f71\u97ff\uff0c\u90a3\u9ebc\u6e1b\u5c11\u8cc7\u8a0a\u63a5\u89f8\uff0c\u5c11\u770b\u96fb\u8996\u5831\u7d19\uff0c\u5c0d\u4f60\u4e5f\u8a31\u662f\u597d\u4e8b\u3002<\/p>\n<p>2. \u8ddf\u7fa4\u773e\u505a\u76f8\u53cd\u7684\u884c\u70ba\u9700\u8981\u52c7\u6c23\uff0c\u4f46\u4f60\u53ea\u8981\u591a\u505a\u904e\u5e7e\u6b21\uff0c\u5728\u4e0d\u91cd\u62bc\u3001\u5931\u6557\u4e5f\u4e0d\u5f71\u97ff\u8ca1\u52d9\u7684\u524d\u63d0\u4e0b\uff0c\u5118\u7ba1\u6709\u6642\u6b63\u78ba\u3001\u6709\u6642\u932f\u8aa4\uff0c\u4f46\u591a\u5617\u8a66\u4ee5\u5f8c\uff0c\u4e5f\u8a31\u5c31\u4e0d\u6703\u518d\u9019\u9ebc\u76f8\u4fe1\u773e\u4eba\u7684\u770b\u6cd5\u4e86\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"3_%E6%90%8D%E5%A4%B1%E8%A6%8F%E9%81%BFLoss_Aversion\"><\/span>3. \u640d\u5931\u898f\u907f(Loss Aversion)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u640d\u5931\u898f\u907f(Loss Aversion)\u6307\u7684\u662f\u4e00\u7a2e\u73fe\u8c61\uff0c\u4eba\u5011\u50be\u5411\u65bc\u907f\u514d\u640d\u5931\u800c\u4e0d\u662f\u7372\u5f97\u540c\u7b49\u6536\u76ca\uff0c<\/p>\n<p>\u4f8b\u5982\uff1a\u5931\u53bb100\u5143\u7684\u75db\u82e6\uff0c\u5f80\u5f80\u6703\u5927\u65bc\u627e\u5230100\u5143\u7684\u559c\u6085\u3002<\/p>\n<p>\u640d\u5931\u898f\u907f\u8a8d\u70ba\uff0c\u6295\u8cc7\u4eba\u975e\u5e38\u5bb3\u6015\u640d\u5931\uff0c\u4ee5\u81f3\u65bc\u4ed6\u5011\u5c08\u6ce8\u65bc\u8a66\u5716\u907f\u514d\u640d\u5931\uff0c\u800c\u4e0d\u662f\u8cfa\u53d6\u6536\u76ca\uff0c<\/p>\n<p>\u751a\u81f3\u6709\u7814\u7a76\u8a8d\u70ba\uff0c\u6295\u8cc7\u4eba\u5c0d\u640d\u5931\u7684\u75db\u82e6\u611f\u53d7\u662f\u9ad8\u65bc\u7372\u5229\u611f\u53d7\u76842\u500d\u4ee5\u4e0a\u3002<\/p>\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u5728\u8667\u640d\u767c\u751f\u4e4b\u524d\uff0c\u4e26\u4e0d\u627f\u8a8d\u5b83\u662f\u8667\u640d\uff0c\u56e0\u6b64\u70ba\u4e86\u907f\u514d\u7d93\u6b77&#8221;\u771f\u6b63&#8221;\u640d\u5931\u7684\u75db\u82e6\uff0c\u4ed6\u5011\u6703\u7e7c\u7e8c\u6301\u6709\u4e00\u9805\u6295\u8cc7\uff0c\u5373\u4f7f\u4ed6\u5011\u7684\u640d\u5931\u5728\u589e\u52a0\uff0c\u9019\u5c31\u662f\u4fd7\u7a31\u7684\u300c\u5957\u7262\u300d\u3002<\/p>\n<p>\u9019\u662f\u56e0\u70ba\u53ea\u8981\u4ed6\u5011\u9084\u6c92\u6709\u95dc\u9589\u4ea4\u6613\uff0c\u5c31\u53ef\u4ee5\u907f\u514d\u5728\u5fc3\u7406\u6216\u60c5\u611f\u4e0a\u9762\u5c0d\u640d\u5931\u7684\u4e8b\u5be6\u3002<\/p>\n<p>\u9019\u6a23\u505a\u7684\u8ca0\u9762\u5f71\u97ff\u662f\u6295\u8cc7\u4eba\u5f80\u5f80\u7e7c\u7e8c\u6301\u6709\u8667\u640d\u7684\u6295\u8cc7\uff0c\u6700\u5f8c\u906d\u53d7\u7684\u640d\u5931\u6703\u66f4\u591a\u3002<\/p>\n<p><strong>\u5e38\u898b\u7684\u640d\u5931\u898f\u907f\u4f8b\u5b50\uff1a<\/strong><\/p>\n<ol>\n<li><span style=\"font-size: 16px;\">\u50c5\u9858\u610f\u5728\u820a\u7684\u6295\u8cc7\u6a19\u7684\u53bb\u4fee\u6539\u8abf\u6574\u52a0\u6e1b\u78bc\uff0c\u537b\u4e0d\u9858\u610f\u95dc\u6ce8\u65b0\u7684\u6a19\u7684\uff0c\u5373\u4f7f\u65b0\u6a19\u7684\u660e\u986f\u66f4\u6709\u5229\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u4e0d\u9858\u610f\u4ee5\u4f4e\u65bc\u6210\u672c\u7684\u50f9\u683c\u51fa\u552e\u67d0\u7269\uff0c\u5118\u7ba1\u7e7c\u7e8c\u6301\u6709\u98a8\u96aa\u66f4\u5927\uff0c\u4f46\u5fc3\u88e1\u4e0d\u9858\u63a5\u53d7\u8667\u640d\u548c\u5931\u6557\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u50c5\u51fa\u552e\u6709\u7372\u5229\u7684\u80a1\u7968\u800c\u975e\u8667\u640d\u7684\u80a1\u7968\u3002<\/span><\/li>\n<\/ol>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u898f\u907f\u640d\u5931\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u8981\u7406\u89e3\u5230\u589e\u52a0\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u5176\u5be6\u662f\u589e\u52a0\u7372\u5229\u7684\u57fa\u790e\u3002\u4f60\u7121\u9700\u627f\u64d4\u6975\u5927\u7684\u98a8\u96aa\uff0c\u4f46\u4e5f\u4e0d\u80fd\u60f3\u8457\u4e00\u9ede\u98a8\u96aa\u90fd\u4e0d\u627f\u64d4\u3002<\/p>\n<p>2. \u4e5f\u8a31\u4f60\u5bb3\u6015\u640d\u5931\uff0c\u4f46\u4f60\u662f\u5426\u60f3\u904e\uff0c\u4f60\u66f4\u8a72\u5bb3\u6015\u81ea\u5df1\u7684\u8ca1\u52d9\u76ee\u6a19\u7121\u6cd5\u9054\u6210\uff1f<\/p>\n<p>\u898f\u907f\u640d\u5931\u5176\u5be6\u8ddf\u4e0b\u4e00\u9805\u6c89\u6c92\u6210\u672c\u7684\u6982\u5ff5\u5f88\u76f8\u4f3c\uff0c\u4e0d\u904e\u640d\u5931\u898f\u907f\u901a\u5e38\u662f\u8ddf\u7372\u5229\u505a\u5c0d\u6bd4\uff0c\u4f8b\u5982\u4f60\u6703\u70ba\u4e86\u907f\u514d\u591a\u8ce0\u800c\u640d\u5931\u6389\u66f4\u591a\u7372\u5229\u7684\u6a5f\u6703\uff0c<br \/>\n\u6c89\u6c92\u6210\u672c\u5247\u662f\u628a\u904e\u53bb\u7684\u640d\u76ca\u7576\u6210\u5224\u65b7\u7684\u57fa\u6e96\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"4_%E6%B2%89%E6%B2%A1%E6%88%90%E6%9C%ACSunk_Costs\"><\/span>4. \u6c89\u6ca1\u6210\u672c(Sunk Costs)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u6c89\u6c92\u6210\u672c(Sunk Costs)\u6307\u7684\u662f\u5df2\u7d93\u767c\u751f\u3001\u7121\u6cd5\u6539\u8b8a\u7684\u6210\u672c\uff0c<\/p>\n<p>\u6210\u672c\u6307\u7684\u662f\u7522\u751f\u7684\u82b1\u8cbb\uff0c\u4f8b\u5982\u79df\u91d1\u3001\u884c\u92b7\u6d3b\u52d5\u8cbb\u7528\uff0c\u6216\u662f\u82b1\u5728\u65b0\u8a2d\u5099\u4e0a\u7684\u9322\uff0c<\/p>\n<p>\u5982\u679c\u518d\u6295\u8cc7\u9818\u57df\uff0c\u6c89\u6c92\u6210\u672c\u6307\u7684\u5c31\u662f\u7576\u521d\u8cb7\u9032\u7684\u6210\u672c\u50f9\u3002<\/p>\n<p>\u6c89\u6c92\u6210\u672c\u548c\u5fc3\u7406\u5e33\u6236\u7406\u8ad6\u6709\u4e00\u5b9a\u7684\u95dc\u806f\u6027\uff0c\u904e\u53bb\u7684\u4e00\u4e9b\u640d\u5931(\u591a\u82b1\u4e86\u6642\u9593\u3001\u91d1\u9322\u7b49)\u6703\u4fdd\u5b58\u5728\u4eba\u5011\u7684\u5fc3\u7406\u5e33\u6236\u4e2d\uff0c\u7a31\u70ba\u6c89\u6c92\u6210\u672c\u3002<\/p>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u8cb7\u4e86\u4e00\u5f35\u96fb\u5f71\u7968\uff0c\u5df2\u7d93\u4ed8\u4e86\u9322\u3001\u4e0d\u80fd\u9000\u7968\uff0c\u9019\u500b\u96fb\u5f71\u7968\u7684\u9322\u5c31\u662f\u6c89\u6c92\u6210\u672c\u3002<\/p>\n<p>\u4f46\u5982\u679c\u4f60\u53bb\u770b\u96fb\u5f71\u5f8c\uff0c\u767c\u73fe\u4e0d\u597d\u770b\uff0c\u9019\u6642\u53ef\u80fd\u6703\u6709\u5169\u7a2e\u7d50\u679c\uff1a<\/p>\n<ol>\n<li><span style=\"font-size: 16px;\">\u56e0\u70ba\u82b1\u4e86\u9322\u8cb7\u7968\u4e0d\u60f3\u6d6a\u8cbb\uff0c\u6240\u4ee5\u5fcd\u8010\u7e7c\u7e8c\u770b\u5b8c\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u96fb\u5f71\u9084\u6c92\u6f14\u5b8c\uff0c\u4f46\u56e0\u70ba\u4e0d\u597d\u770b\uff0c\u5c31\u5148\u96e2\u958b\u53bb\u505a\u5176\u4ed6\u4e8b\u3002<\/span><\/li>\n<\/ol>\n<p>\u4e0a\u8ff0\u7b2c\u4e00\u500b\u7d50\u679c\u5c31\u662f\u8003\u616e\u5230\u4e86\u6c89\u6c92\u6210\u672c\uff0c\u6240\u4ee5\u5fcd\u8010\u7e7c\u7e8c\u628a\u96fb\u5f71\u770b\u5b8c\uff0c\u56e0\u70ba\u6015\u6d6a\u8cbb\u9322\u3002<\/p>\n<p>\u4f46\u5982\u679c\u4eba\u662f\u7406\u6027\u7684\uff0c\u90a3\u5728\u505a\u6c7a\u7b56\u6642\u5c31\u4e0d\u61c9\u8a72\u8003\u616e\u5230\u6c89\u6c92\u6210\u672c\uff0c\u61c9\u8a72\u9078\u64c7\u7b2c\u4e8c\u7a2e\u7d50\u679c\u3002<\/p>\n<p>\u56e0\u70ba\u96d6\u7136\u82b1\u4e86\u9322\u4f46\u53ca\u6642\u9000\u5834\u9084\u80fd\u628a\u6642\u9593\u62ff\u4f86\u505a\u66f4\u6709\u610f\u7fa9\u7684\u4e8b\uff0c\u9019\u6a23\u53ef\u4ee5\u964d\u4f4e\u6a5f\u6703\u6210\u672c\u3002<\/p>\n<p>\u9078\u64c7\u7b2c\u4e00\u7a2e\u770b\u4f3c\u88dc\u511f\u4e86\u5fc3\u7406\u5e33\u6236\u7684\u640d\u5931\uff08\u5df2\u7d93\u82b1\u4e86\u96fb\u5f71\u7968\u548c\u6642\u9593\uff09\uff0c\u4f46\u5be6\u969b\u4e0a\u4ec0\u9ebc\u4e5f\u6c92\u5f97\u5230\uff0c\u53cd\u800c\u5f8c\u9762\u640d\u5931\u66f4\u591a\u6642\u9593\u7cbe\u795e\u3002<\/p>\n<p>\u6c89\u6c92\u6210\u672c\u904b\u7528\u5728\u6295\u8cc7\u4e0a\uff0c\u5c31\u6295\u8cc7\u4eba\u9078\u64c7\u7684\u6a19\u7684\u6536\u76ca\u4e0d\u4f73\u751a\u81f3\u9577\u671f\u8667\u640d\u5957\u7262\u7684\u80a1\u7968\uff0c<br \/>\n\u4f46\u4ecd\u89ba\u5f97\u90fd\u5df2\u7d93\u628a\u9322\u6295\u8cc7\u4e0b\u53bb\u4e86\u5c31\u4e0d\u8a72\u9000\u5834\u3002<\/p>\n<p>\u4f46\u5176\u5be6\u4efb\u4f55\u6642\u9593\u9ede\uff0c\u6709\u6301\u6709\u80a1\u7968\u8207\u6c92\u6301\u6709\u80a1\u7968\uff08\u5047\u8a2d\u7acb\u523b\u8ce3\u6389\uff09\uff0c\u81ea\u5df1\u7684\u8cc7\u7522\u7e3d\u503c\u662f\u4e00\u6a23\u7684\uff0c<\/p>\n<p>\u56e0\u6b64\u4efb\u4f55\u6c7a\u7b56\u4e0d\u8a72\u53d7\u5230\u81ea\u5df1\u6301\u80a1\u4ee5\u53ca\u6301\u80a1\u640d\u76ca\u7684\u5f71\u97ff\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u6c89\u6c92\u6210\u672c\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u8667\u640d\u7684\u80a1\u7968\u8981\u4e0d\u8981\u8ce3\uff1f\u5be6\u969b\u4e0a\u904e\u53bb\u8667\u640d\u91d1\u984d\u5f9e\u4f86\u4e0d\u8a72\u8003\u616e\u5728\u6c7a\u7b56\u4e2d\uff0c\u4f60\u61c9\u8a72\u8981\u300c\u6b78\u96f6\u300d\uff0c\u53ea\u8003\u616e\u7684\u662f\u63a5\u4e0b\u4f86\u6700\u597d\u7684\u6a5f\u6703\u662f\u4ec0\u9ebc\u3002<\/p>\n<p>2. \u505a\u6c7a\u7b56\u6642\uff0c\u6c38\u9060\u5047\u8a2d\u81ea\u5df1\u662f\u7a7a\u624b\uff1a\u5982\u679c\u4f60\u662f\u7a7a\u624b\u6703\u60f3\u8981\u8cb7\u55ce\uff1f\u5982\u679c\u6703\u60f3\u8cb7\uff0c\u90a3\u4f60\u539f\u5148\u7684\u6301\u80a1\u4e5f\u61c9\u8a72\u7e7c\u7e8c\u6301\u6709\uff0c\u5982\u679c\u4e0d\u6703\u60f3\u8cb7\uff0c\u90a3\u4e0d\u8a72\u52a0\u78bc\uff0c\u751a\u81f3\u61c9\u8a72\u8981\u8ce3\u51fa\u6301\u80a1\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"5_%E8%B3%AD%E5%BE%92%E8%AC%AC%E8%AA%A4Gamblers_Fallacy\"><\/span>5. \u8ced\u5f92\u8b2c\u8aa4(Gambler\u2019s Fallacy)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u8ced\u5f92\u8b2c\u8aa4\uff08Gambler\u2019s Fallacy\uff09\u4e5f\u88ab\u7a31\u70ba\u8499\u7279\u5361\u6d1b\u8b2c\u8aa4\u3002<\/p>\n<p>\u6700\u8457\u540d\u7684\u4f8b\u5b50\u767c\u751f\u57281913\u5e74\u7684\u8499\u7279\u5361\u6d1b\u8ced\u5834\uff0c\u7576\u6642\u8f2a\u76e4\u8ced\u6ce8\u7684\u7403\u9023\u7e8c\u6578\u6b21\u843d\u5230\u9ed1\u7403\uff0c<\/p>\n<p>\u9019\u8b93\u4eba\u5011\u76f8\u4fe1\u5b83\u5f88\u5feb\u5c31\u6703\u8b8a\u6210\u7d05\u7403\uff0c\u65bc\u662f\u5927\u5bb6\u4e0b\u6ce8\uff0c\u8a8d\u70ba\u5728\u4e0b\u4e00\u500b\u8f2a\u76e4\u8f49\u8f2a\uff0c\u7403\u5c31\u6703\u843d\u5728\u7d05\u7403\u3002<\/p>\n<p>\u4f46\u4e00\u76f4\u5230\u7b2c27\u5708\uff0c\u7403\u624d\u843d\u5728\u7d05\u7403\u4e0a\uff0c\u9019\u6642\u6295\u8cc7\u4eba\u5df2\u7d93\u640d\u5931\u4e86\u6578\u767e\u842c\u7f8e\u5143\u3002<\/p>\n<p>\u9019\u500b\u8ad6\u9ede\u8a8d\u70ba\uff0c\u4eba\u5011\u5e38\u6839\u64da\u4ee5\u524d\u7684\u4e8b\u4ef6\u6216\u4e00\u7cfb\u5217\u4e8b\u4ef6\u7684\u7d50\u679c\uff0c<\/p>\n<p>\u8a8d\u70ba\u67d0\u500b\u96a8\u6a5f\u4e8b\u4ef6\u767c\u751f\u7684\u53ef\u80fd\u6027\u6703\u8f03\u5c0f\u6216\u66f4\u5927\uff0c\u5176\u5be6\u9019\u7a2e\u601d\u8003\u65b9\u5f0f\u662f\u4e0d\u6b63\u78ba\u7684\uff0c<\/p>\n<p>\u56e0\u70ba\u904e\u53bb\u7684\u4e8b\u4ef6\u4e0d\u6703\u6539\u8b8a\u67d0\u4e9b\u4e8b\u4ef6\u5728\u672a\u4f86\u767c\u751f\u7684\u6a5f\u7387\uff0c\u6bcf\u500b\u4e8b\u4ef6\u90fd\u662f\u7368\u7acb\u7684\uff0c\u5176\u7d50\u679c\u8207\u904e\u53bb\u6216\u73fe\u5728\u767c\u751f\u7684\u4e8b\u4ef6\u6c92\u6709\u95dc\u4fc2\u3002<\/p>\n<p>\u5728\u6295\u8cc7\u88e1\u9762\uff0c\u904e\u53bb\u8ddf\u672a\u4f86\u7684\u95dc\u806f\u6027\u5176\u5be6\u8ddf\u8ced\u5834\u4e0d\u5927\u4e00\u6a23\uff0c\u6709\u4e9b\u6709\u95dc\u9023\uff0c\u6709\u4e9b\u5247\u7121\u95dc\u3002<\/p>\n<p>\u4f46\u554f\u984c\u662f\uff0c\u6295\u8cc7\u4eba\u5927\u591a\u6642\u5019\u5be6\u969b\u4e0a\u4e26\u6c92\u6709\u80fd\u529b\u5224\u65b7\u5176\u4e2d\u7684\u95dc\u9023\u6027\u3002<\/p>\n<p>\u6295\u8cc7\u4eba\u7d93\u5e38\u6703\u72af\u8ced\u5f92\u8b2c\u8aa4\uff0c\u8209\u4f8b\u4f86\u8aaa\uff1a<\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">\u7576\u4e00\u6a94\u80a1\u7968\u6301\u7e8c\u4e0a\u6f32\u6642\uff0c\u6295\u8cc7\u4eba\u8a8d\u70ba\u9019\u61c9\u8a72\u662f\u5f88\u5feb\u5c31\u6703\u5d29\u76e4\u7684\u8de1\u8c61\uff0c\u56e0\u6b64\u6c7a\u5b9a\u8ce3\u51fa\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u5982\u679c\u4e00\u6a94\u80a1\u7968\u6301\u7e8c\u4e0b\u8dcc\uff0c\u6295\u8cc7\u4eba\u6703\u8a8d\u70ba\u9019\u662f\u5c07\u4e0a\u6f32\u7684\u8de1\u8c61\uff0c\u56e0\u6b64\u6c7a\u5b9a\u6301\u6709\u9019\u4e9b\u80a1\u7968\u3002<\/span><\/li>\n<\/ul>\n<p>\u7576\u7136\u53cd\u904e\u4f86\u4e5f\u662f\u8b2c\u8aa4\uff0c\u4f8b\u5982\u6301\u7e8c\u4e0a\u6f32\u5c31\u89ba\u5f97\u6703\u7e7c\u7e8c\u6f32\u3001\u6301\u7e8c\u4e0b\u8dcc\u89ba\u5f97\u6703\u7e7c\u7e8c\u8dcc\uff0c\u9019\u4e5f\u662f\u8b2c\u8aa4\uff0c<\/p>\n<p>\u771f\u5be6\u72c0\u6cc1\u662f\u672a\u4f86\u4e26\u975e\u7d55\u5c0d\uff0c\u53ef\u80fd\u4e0a\u4e5f\u53ef\u80fd\u4e0b\u3002<\/p>\n<p>\u6295\u8cc7\u4eba\u5f88\u5bb9\u6613\u6703\u6839\u64da\u904e\u53bb\u985e\u4f3c\u4e8b\u4ef6\u7684\u6b77\u53f2(\u4ee5\u524d\u50f9\u683c\u9ede\u7684\u8da8\u52e2\u3001\u524d\u9ad8\u9ede\u3001\u524d\u4f4e\u9ede\u3001\u4ee5\u524d\u7684\u7dda\u578b\u578b\u614b\u7b49\u7b49)\uff0c\u6839\u64da\u4e00\u500b\u96a8\u6a5f\u4e8b\u4ef6(\u80a1\u7968\u50f9\u683c)\u7684\u6a5f\u7387\u4f86\u505a\u6295\u8cc7\u6c7a\u7b56\u3002<\/p>\n<p>\u4e8b\u5be6\u4e0a\u9019\u5169\u8005\u4e26\u6c92\u6709\u4e00\u5b9a\u7684\u95dc\u4fc2\uff0c\u4e00\u76f4\u5728\u4e0a\u6f32\u7684\u80a1\u7968\u5f88\u53ef\u80fd\u7e7c\u7e8c\u4e0a\u6f32\uff0c\u5c31\u50cf\u5b83\u53ef\u80fd\u5d29\u76e4\u4e00\u6a23\uff0c\u904e\u53bb\u7684\u50f9\u683c\u4e26\u4e0d\u80fd\u6c7a\u5b9a\u672a\u4f86\u7684\u50f9\u683c\u3002<\/p>\n<p>\u60f3\u8981\u907f\u514d\u9019\u7a2e\u8a8d\u77e5\u504f\u5dee\u7684\u5f71\u97ff\uff0c\u6211\u5011\u5c31\u9700\u8981\u77e5\u9053\u5404\u4e8b\u4ef6\u7684\u56e0\u679c\u7368\u7acb\u6027\uff0c<\/p>\n<p>\u4ed4\u7d30\u601d\u8003\u4e8b\u4ef6\u767c\u751f\u7684\u5be6\u969b\u904e\u7a0b\uff0c\u4e0d\u8981\u60f3\u7528\u5076\u7136\u6a5f\u7387\u6216\u8ff7\u4fe1\u7684\u65b9\u5f0f\u4f86\u4e0b\u6295\u8cc7\u6c7a\u7b56\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u8ced\u5f92\u8b2c\u8aa4\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>\u8ced\u5f92\u8b2c\u8aa4\u7684\u672c\u8cea\u5728\u65bc\uff0c\u5c0d\u8cc7\u8a0a\u63d0\u51fa\u6163\u6027\u7684\u89e3\u8b80\uff0c\u4ee5\u53ca\u9ad8\u4f30\u81ea\u5df1\u7684\u9810\u6e2c\u80fd\u529b\u3002<\/p>\n<p>\u5728\u6295\u8cc7\u88e1\u9762\uff0c\u4e0d\u8981\u5e38\u5e38\u53bb\u731c\u6f32\u731c\u8dcc\uff0c\u5373\u4f7f\u4f60\u731c\u932f\u7684\u6b21\u6578\u8f03\u591a\uff0c\u4f46\u731c\u5c0d\u6642\u4f60\u6703\u5f88\u5bb9\u6613\u7d66\u81ea\u5df1\u932f\u8aa4\u7684\u8a55\u50f9\uff0c\u8a8d\u70ba\u662f\u81ea\u5df1\u7684\u9810\u6e2c\u80fd\u529b\u5e36\u4f86\u6b63\u78ba\uff0c<br \/>\n\u5be6\u969b\u4e0a\u5118\u7ba1\u4f60\u65b9\u5411\u731c\u5c0d\uff0c\u4f46\u4f60\u7684\u63a8\u8ad6\u4f9d\u64da\u4e0d\u4e00\u5b9a\u662f\u6b63\u78ba\uff0c\u4e0b\u6b21\u4f60\u7528\u540c\u6a23\u7684\u7406\u8ad6\u4f9d\u64da\u4f9d\u7136\u53ef\u80fd\u5f97\u5230\u932f\u8aa4\u7684\u7d50\u679c\u3002<\/p>\n<p>\u990a\u6210\u4e00\u500b\u7fd2\u6163\u662f\u8aaa\uff1a\u300c\u6211\u4e0d\u77e5\u9053\u3002\u300d\u6211\u60f3\u9019\u662f\u6e1b\u5c11\u8ced\u5f92\u8b2c\u8aa4\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u53ef\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/honest-to-yourself-invest\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5728\u6295\u8cc7\u88e1\u9762\u4e0d\u8981\u5bb3\u6015\u627f\u8a8d\u300c\u6211\u4e0d\u77e5\u9053\u300d<\/a><\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"6_%E6%8E%A7%E5%88%B6%E7%9A%84%E9%8C%AF%E8%A6%BAIllusion_of_Control\"><\/span>6. \u63a7\u5236\u7684\u932f\u89ba(Illusion of Control)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u63a7\u5236\u7684\u932f\u89ba(Illusion of Control)\u662f\u4eba\u5011\u9ad8\u4f30\u81ea\u5df1\u63a7\u5236\u4e8b\u4ef6\u7684\u80fd\u529b\uff0c<\/p>\n<p>\u7576\u4eba\u5011\u76f8\u4fe1\u81ea\u5df1\u5c0d\u67d0\u4e8b\u7684\u5f71\u97ff\u529b\u6bd4\u5be6\u969b\u66f4\u5927\u6642\uff0c\u5c31\u6709\u505a\u51fa\u932f\u8aa4\u6c7a\u5b9a\u7684\u98a8\u96aa\uff0c<\/p>\n<p>\u53ef\u80fd\u5c0e\u81f4\u628a\u5e0c\u671b\u5bc4\u8a17\u5728\u8ff7\u4fe1\u3001\u5176\u4ed6\u5fc3\u7406\u56e0\u7d20\u4e0a\uff0c\u4f46\u4e8b\u5be6\u4e0a\u9019\u4e9b\u6771\u897f\u4e26\u4e0d\u6703\u6539\u8b8a\u6295\u8cc7\u7684\u5f71\u97ff\u3002<\/p>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u6709\u4e9b\u4eba\u5728\u8cb7\u6a02\u900f\u5f69\u5238\u6642\uff0c\u6703\u7c3d\u81ea\u5df1\u7684\u5e78\u904b\u865f\u78bc\uff0c\u50cf\u662f\u81ea\u5df1\u6216\u89aa\u670b\u597d\u53cb\u7684\u751f\u65e5\u2026\u7b49\uff0c\u8a8d\u70ba\u9019\u4e9b\u6578\u5b57\u6709\u52a9\u65bc\u5e6b\u4ed6\u5011\u4e2d\u734e\uff0c\u9019\u5c31\u662f\u4e00\u7a2e\u63a7\u5236\u7684\u932f\u89ba\u3002<\/p>\n<p>\u505a\u6295\u8cc7\u6c7a\u7b56\u6642\uff0c\u8a31\u591a\u6295\u8cc7\u4eba\u4e5f\u6703\u9677\u5165\u63a7\u5236\u7684\u932f\u89ba\uff0c\u4f46\u505a\u6295\u8cc7\u6c7a\u7b56\u5fc5\u9808\u8981\u5206\u6790\u5e74\u5ea6\u5831\u544a\u3001\u5e02\u5834\u72c0\u6cc1\u2026\u7b49\u5404\u7a2e\u5c64\u9762\uff0c<\/p>\n<p>\u9019\u5e38\u767c\u751f\u5728\u57fa\u672c\u9762\u5206\u6790\u7684\u6295\u8cc7\u4eba\u8eab\u4e0a\uff0c\u7576\u4f60\u7814\u7a76\u7684\u8d8a\u6df1\uff0c\u4f60\u5c31\u8d8a\u76f8\u4fe1\u81ea\u5df1\u7684\u5224\u65b7\uff0c<\/p>\n<p>\u8a31\u591a\u57fa\u672c\u9762\u6295\u8cc7\u4eba\u751a\u81f3\u6703\u628a\u81ea\u5df1\u7684\u9577\u671f\u6295\u8cc7\u4f5c\u70ba\u4fe1\u4ef0\uff0c\u5ffd\u7565\u4e00\u4e9b\u5176\u4ed6\u554f\u984c\u3002<\/p>\n<p>\u82e5\u9677\u5165\u63a7\u5236\u7684\u932f\u89ba\uff0c\u5c31\u6703\u8a98\u4f7f\u4f60\u76f8\u4fe1\u81ea\u5df1\u7684\u6c7a\u5b9a\u662f\u6b63\u78ba\u7684\u3002<\/p>\n<p>\u4f46\u5728\u6295\u8cc7\u88e1\u9762\uff0c\u8ab0\u53c8\u80fd\u6c38\u9060\u6b63\u78ba\u5462\uff1f<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u63a7\u5236\u7684\u932f\u89ba\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u6bcf\u5929\u6bba\u9032\u6bba\u51fa\uff0c\u52c7\u65bc\u6c7a\u7b56\uff0c\u5805\u5b9a\u505c\u640d\u3001\u6309\u7b56\u7565\u57f7\u884c\u3002\u807d\u8d77\u4f86\u4e0d\u932f\u5427\uff1f\u884c\u52d5\u529b\u5f88\u5f37\u3002\u4f46\u9019\u6a23\u771f\u7684\u6bd4\u8f03\u597d\u55ce\uff1f\u5176\u5be6\u662f\u554f\u865f\u3002<\/p>\n<p>2. \u5efa\u8b70\u7121\u8ad6\u4f55\u6642\uff0c\u6301\u6709\u4e00\u7d44<a href=/index.html"https:\/\/\/how-diversify-invest-risk\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5206\u6563\u6295\u8cc7<\/a>\u90e8\u4f4d\uff0c\u4f8b\u5982<a href=/index.html"https:\/\/\/etf0050\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5927\u76e4\u6307\u6578\u578b\u7684ETF<\/a>\uff0c\u4e26\u4e14\u548c\u4f60\u81ea\u5df1\u7684\u5e7e\u6a94\u9078\u80a1\u6bd4\u8f03\u7e3e\u6548\u3002\u4f60\u6703\u767c\u73fe\uff0c\u81ea\u5df1\u4ed8\u51fa\u5927\u91cf\u52aa\u529b\u6240\u5f97\u5230\u7684\u6210\u679c\uff0c\u4e26\u4e0d\u4e00\u5b9a\u662f\u6642\u6642\u523b\u523b\u90fd\u8d0f\u904e\u6307\u6578\u7684\u3002<\/p>\n<p>\u6bcf\u6b21\u9047\u5230\u5c0d\u81ea\u5df1\u9078\u80a1\u6216\u65b9\u6cd5\u9ad8\u5ea6\u72c2\u71b1\u7684\u4eba\uff0c\u6211\u90fd\u656c\u800c\u9060\u4e4b\u3002<br \/>\n\u7562\u7adf\u4ed6\u5011\u9700\u8981\u4fe1\u5fc3\u548c\u4fe1\u4ef0\u624d\u80fd\u7e7c\u7e8c\u4e0b\u53bb\uff0c\u4fe1\u5fc3\u548c\u4fe1\u4ef0\u4e0d\u4e00\u5b9a\u662f\u58de\u4e8b\uff0c\u4f46\u6211\u4e0d\u9700\u8981\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"7_%E9%81%B8%E6%93%87%E6%82%96%E8%AB%96Paradox_of_Choice\"><\/span>7. \u9078\u64c7\u6096\u8ad6(Paradox of Choice)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u9078\u64c7\u6096\u8ad6(Paradox of Choice)\u8a8d\u70ba\uff0c\u592a\u591a\u7684\u9078\u64c7\u6703\u7d66\u4eba\u5011\u5e36\u4f86\u58d3\u529b\uff0c<\/p>\n<p>\u96d6\u7136\u50b3\u7d71\u667a\u6167\u544a\u8a34\u6211\u5011\uff0c\u66f4\u591a\u7684\u9078\u64c7\u6703\u5e36\u4f86\u66f4\u591a\u81ea\u7531\u8207\u5e78\u798f\uff0c<\/p>\n<p>\u4f46\u5fc3\u7406\u5b78\u5bb6\u5df4\u91cc\u00b7\u65bd\u74e6\u8328(Barry Schwartz)\u5728\u5176\u8457\u4f5c\u300a\u9078\u64c7\u7684\u6096\u8ad6\u300b\u4e2d\u6307\u51fa\uff0c\u7576\u4eba\u5011\u9762\u5c0d\u66f4\u591a\u7684\u9078\u64c7\u6642\uff0c\u53cd\u800c\u7121\u6cd5\u505a\u51fa\u660e\u667a\u7684\u9078\u64c7\uff0c<\/p>\n<p>\u56e0\u70ba\u6211\u5011\u7684\u9078\u64c7\u7e3d\u662f\u53d7\u5230\u9328\u5b9a\u6548\u61c9\u3001\u6846\u67b6\u6548\u61c9\u2026\u7b49\u5fc3\u7406\u56e0\u7d20\u7684\u5f71\u97ff\u3002<\/p>\n<p>\u6295\u8cc7\u6642\u6211\u5011\u5c31\u5e38\u5e38\u5f97\u9762\u81e8\u9078\u64c7\u56f0\u96e3\uff0c\u5fc5\u9808\u5728\u773e\u591a\u7684\u516c\u53f8\u4e2d\u9078\u64c7\u60f3\u6295\u8cc7\u7684\u80a1\u7968\uff0c<\/p>\n<p>\u800c\u80a1\u50f9\u53c8\u4e00\u76f4\u662f\u5728\u6ce2\u52d5\u7684\uff0c\u6bcf\u5206\u9418\u4f60\u90fd\u6709\u8cb7\u5165\u6216\u8ce3\u51fa\u7684\u81ea\u7531\uff0c\u6bcf\u5929\u5e02\u5834\u4e0a\u4e5f\u6703\u6709\u597d\u6d88\u606f\u3001\u58de\u6d88\u606f\u2026<\/p>\n<p>\u592a\u591a\u9078\u64c7\u81ea\u7531\u53ef\u80fd\u6703\u8b93\u6295\u8cc7\u4eba\u7121\u6240\u9069\u5f9e\uff0c\u505a\u9078\u64c7\u6642\u4e5f\u96a8\u610f\u6311\u9078\uff0c\u6700\u7d42\u53ef\u80fd\u5c0e\u81f4\u7b56\u7565\u932f\u8aa4\u3002<\/p>\n<p>\u6240\u4ee5\u6642\u5e38\u53ef\u4ee5\u770b\u5230\u4e00\u4e9b\u6295\u8cc7\u4eba\u653e\u68c4\u601d\u8003\uff0c\u53ea\u60f3\u554f\uff1a\u300c\u4ec0\u9ebc\u53ef\u4ee5\u8cb7\uff1f\u300d\u300c\u4ec0\u9ebc\u6703\u6f32\uff1f\u300d<\/p>\n<p>\u6709\u4e9b\u65b9\u6cd5\u53ef\u4ee5\u907f\u514d\u904e\u591a\u9078\u64c7\u8207\u81ea\u7531\uff0c\u5c0e\u81f4\u6211\u5011\u9677\u5165\u9078\u64c7\u969c\u7919\uff0c\u50cf\u662f\u50f9\u503c\u6295\u8cc7\u8005\u5c31\u8a8d\u70ba\uff0c\u5fc5\u9808\u6295\u8cc7\u81ea\u5df1\u7406\u89e3\u7684\u5c11\u6578\u516c\u53f8\u3002<\/p>\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u5df4\u83f2\u7279\u4e5f\u5efa\u8b70\u666e\u901a\u6295\u8cc7\u4eba\u7528\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\uff0c\u4e0d\u9700\u8981\u9078\u80a1\u3001\u64c7\u6642\u5165\u5834\uff0c<\/p>\n<p>\u53ea\u8981\u4ee5\u9577\u671f\u6295\u8cc7<a href=/index.html"https:\/\/\/etf0050\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">ETF<\/a>\u7684\u65b9\u5f0f\uff0c\u9577\u671f\u7e3e\u6548\u751a\u81f3\u80fd\u8dd1\u8d0f\u5927\u76e4\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u9078\u64c7\u6096\u8ad6\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>1. \u6295\u8cc7\u70ba\u4ec0\u9ebc\u5f88\u56f0\u96e3\uff1f\u56e0\u70ba\u9078\u64c7\u5be6\u5728\u5f88\u591a\uff0c\u5e02\u5834\u4e0a\u4e5f\u4e0d\u662f\u53ea\u6709\u597d\u7684\u6a19\u7684\uff0c\u800c\u662f\u5145\u65a5\u8457\u5404\u7a2e\u9078\u64c7\u3002\u4f60\u53ef\u4ee5\u9762\u5c0d\u5b83\uff0c\u6216\u662f\u5206\u6563\u6295\u8cc7\u4e5f\u662f\u7c21\u55ae\u89e3\u6c7a\u7684\u65b9\u5f0f\u3002<\/p>\n<p>2. \u4e0d\u597d\u7684\u516c\u53f8\u4e5f\u53ef\u80fd\u5927\u6f32\uff0c\u5f9e\u5783\u573e\u88e1\u9762\u638f\u91d1\u7684\u78ba\u53ef\u80fd\u5927\u8cfa\uff0c\u4f46\u5783\u573e\u7684\u6578\u91cf\u53ef\u80fd\u6703\u8b93\u4f60\u638f\u7684\u5341\u5206\u8f9b\u82e6\u3002\u4f60\u53ef\u4ee5\u60f3\u60f3\u81ea\u5df1\u8981\u63a5\u53d7\u54ea\u4e9b\u9078\u9805\u3002<\/p>\n<p>3. \u91d1\u878d\u696d\u8005\u6700\u64c5\u9577\u7684\u5c31\u662f\u63a8\u51fa\u65b0\u7684\u91d1\u878d\u7522\u54c1\uff0c\u4f46\u662f\u8d8a\u65b0\u7684\u6771\u897f\u771f\u7684\u8d8a\u597d\u55ce\uff1f\u4e5f\u8a31\u505a\u597d\u6295\u8cc7\uff0c\u4f60\u53ea\u9700\u8981\u4e00\u4e9b\u8001\u6771\u897f\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"8_%E7%A2%BA%E8%AA%8D%E5%81%8F%E8%AA%A4Confirmation_Bias\"><\/span>8. \u78ba\u8a8d\u504f\u8aa4(Confirmation Bias)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u78ba\u8a8d\u504f\u8aa4(Confirmation Bias)\u662f\u6307\u4eba\u5011\u7e3d\u662f\u9078\u64c7\u6027\u4f86\u6536\u96c6\u5c0d\u81ea\u5df1\u6709\u5229\u7684\u8cc7\u8a0a\uff0c\u537b\u5ffd\u7565\u4e0d\u5229\u6216\u77db\u76fe\u7684\u8cc7\u8a0a\u3002<\/p>\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u5c31\u662f\u4eba\u5011\u7e3d\u662f\u4ee5\u6709\u504f\u898b\u7684\u65b9\u5f0f\u4f86\u505a\u6c7a\u7b56\uff0c\u53ea\u770b\u81ea\u5df1\u60f3\u8981\u770b\u7684\u6771\u897f\u3001\u63a5\u53d7\u4ed6\u5011\u8a8d\u70ba\u6b63\u78ba\u7684\u8cc7\u8a0a\uff0c\u537b\u62d2\u7d55\u63a5\u53d7\u53cd\u9762\u7684\u8cc7\u8a0a\u3002<\/p>\n<p><strong>\u8209\u4f8b\u4f86\u8aaa\uff1a<\/strong><br \/>\n\u6301\u6709A\u516c\u53f8\u80a1\u7968\u7684\u80a1\u6771\uff0c\u53ef\u80fd\u6703\u5ffd\u7565\u8207\u8a72\u516c\u53f8\u6709\u95dc\u7684\u4e0d\u5229\u6d88\u606f\uff0c\u800c\u5f71\u97ff\u5230\u6240\u505a\u7684\u6295\u8cc7\u6c7a\u7b56\u3002<\/p>\n<p>\u53c8\u6216\u8005\u662f\u4eba\u5011\u53ea\u5c08\u6ce8\u67d0\u4e9b\u8ca1\u7d93\u5206\u6790\u5e2b\u7684\u610f\u898b\uff0c\u537b\u5ffd\u7565\u5176\u4ed6\u4eba\u7684\u610f\u898b\uff0c\u56e0\u6b64\u53ef\u80fd\u6703\u6839\u64da\u4e0d\u5b8c\u6574\u7684\u8cc7\u8a0a\u4f86\u505a\u51fa\u6c7a\u7b56\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u78ba\u8a8d\u504f\u8aa4\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>\u5728\u611f\u60c5\u4e0a\uff0c\u8a31\u591a\u4eba\u90fd\u6703\u628a\u7b2c\u4e00\u6b21\u4ea4\u5f80\u7684\u5c0d\u8c61\u7576\u6210\u7d42\u8eab\u5c0d\u8c61\uff0c\u4e5f\u56e0\u6b64\u7b2c\u4e00\u6b21\u611f\u60c5\u4ea4\u5f80\u6642\u6700\u5bb9\u6613\u53d7\u91cd\u50b7\uff0c\u9019\u5c31\u662f\u4e00\u7a2e\u78ba\u8a8d\u504f\u8aa4\u3002<\/p>\n<p>\u540c\u6a23\u7684\uff0c\u5728\u80a1\u5e02\u6709\u53e5\u8001\u8a71\u8aaa\uff1a\u4e0d\u8981\u8ddf\u80a1\u7968\u8ac7\u6200\u611b\u3002\u5176\u5be6\u60f3\u8ac7\u7684\u4e5f\u662f\u907f\u514d\u78ba\u8a8d\u504f\u8aa4\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"9_%E9%8C%A8%E5%AE%9A%E5%81%8F%E8%A6%8BAnchoring_Bias\"><\/span>9. \u9328\u5b9a\u504f\u898b(Anchoring Bias)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u9328\u5b9a\u504f\u898b(Anchoring Bias)\u662f\u6307\u7576\u4eba\u5011\u5728\u505a\u6c7a\u5b9a\u6642\uff0c\u6703\u904e\u5206\u4f9d\u8cf4\u5df2\u6709\u7684\u8a0a\u606f\u6216\u4ed6\u5011\u767c\u73fe\u7684\u7b2c\u4e00\u500b\u8a0a\u606f\u3002<\/p>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u5148\u770b\u5230\u4e00\u4ef6\u50f9\u683c1200\u5143\u7684T\u6064\uff0c\u7136\u5f8c\u53c8\u770b\u5230\u50f9\u683c100\u5143\u7684T\u6064\uff0c<\/p>\n<p>\u4f60\u6703\u8a8d\u70ba100\u5143\u7684T\u6064\u5f88\u4fbf\u5b9c\uff0c\u4f46\u5982\u679c\u4f60\u53ea\u6709\u770b\u5230\u50f9\u683c\u70ba100\u5143\u7684T\u6064\uff0c\u4f60\u53ef\u80fd\u9084\u4e0d\u6703\u8a8d\u70ba\u5b83\u4fbf\u5b9c\u3002<\/p>\n<p>\u300c\u9328\u300d\u5c31\u662f\u4f60\u770b\u5230\u7684\u7b2c\u4e00\u500b\u50f9\u683c\uff0c\u9019\u6703\u5f71\u97ff\u4f60\u7684\u89c0\u9ede\uff0c\u800c\u9328\u5b9a\u504f\u898b\u662f\u884c\u70ba\u91d1\u878d\u5b78\u7684\u4e00\u500b\u91cd\u8981\u6982\u5ff5\uff0c\u8a31\u591a\u5e02\u5834\u884c\u92b7\u6703\u5229\u7528\u9019\u500b\u6280\u5de7\u8b93\u4eba\u5011\u66f4\u5bb9\u6613\u8cfc\u8cb7\u67d0\u6a23\u5546\u54c1\u3002<\/p>\n<p>\u6295\u8cc7\u5e02\u5834\u4e2d\u4e5f\u5e38\u6703\u51fa\u73fe\u9328\u5b9a\u504f\u898b\u3002<\/p>\n<p>\u4f8b\u5982\u7576\u6211\u554f\u4f60\uff0c\u4f60\u8a8d\u70ba3\u500b\u6708\u5f8c\u53f0\u7a4d\u96fb\u7684\u80a1\u50f9\u6703\u5230\u591a\u5c11\uff1f<\/p>\n<p>\u4f60\u53ef\u80fd\u6703\u5148\u770b\u770b\u4eca\u5929\u7684\u80a1\u50f9\u5728\u54ea\u88e1\uff0c\u7136\u5f8c\u6839\u64da\u4eca\u5929\u7684\u80a1\u50f9\u5c0d\u5b833\u500b\u6708\u5f8c\u7684\u80a1\u50f9\u505a\u5047\u8a2d\uff0c\u9019\u5c31\u662f\u4e00\u7a2e\u9328\u5b9a\u504f\u898b\uff0c\u56e0\u70ba\u4f60\u5f9e\u4eca\u5929\u7684\u50f9\u683c\u958b\u59cb\uff0c\u5728\u9019\u500b\u9328\u7684\u57fa\u790e\u4e0a\u5efa\u7acb\u50f9\u503c\u611f\u3002<\/p>\n<p>\u9019\u7a2e\u65b9\u5f0f\u96d6\u7136\u627e\u5230\u4e86\u7e2e\u5c0f\u7bc4\u570d\u7684\u53c3\u7167\u9ede\uff0c\u4f46\u4f9d\u7136\u4e0d\u662f\u63a2\u7d22\u7d42\u9ede\u6700\u6b63\u78ba\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u9328\u5b9a\u5176\u5be6\u5f88\u96e3\u907f\u514d\uff0c\u5efa\u8b70\u662f\u4ee5\u91cf\u5316\u7684\u6578\u64da\u66ff\u4ee3\u5047\u8a2d\uff0c\u624d\u80fd\u5c0d\u6297\u9328\u5b9a\u504f\u5dee\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u9328\u5b9a\u504f\u898b\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>\u5be6\u969b\u4e0a\u6211\u5011\u5728\u6295\u8cc7\u5224\u65b7\u6642\uff0c\u4e0d\u53ef\u80fd\u5b8c\u5168\u6c92\u6709\u4efb\u4f55\u7684\u9328\u5b9a\uff0c\u7562\u7adf\u6211\u5011\u7121\u6cd5\u7121\u4e2d\u751f\u6709\u53bb\u505a\u5224\u65b7\u3002<\/p>\n<p>\u4f46\u5982\u4f55\u907f\u514d\u88ab\u67d0\u4e00\u500b\u9328\u9650\u5236\u81ea\u5df1\u7684\u60f3\u6cd5\uff1f\u6211\u89ba\u5f97\uff0c\u53c3\u8003\u7684\u9328\u8d8a\u591a\u8d8a\u80fd\u907f\u514d\u9019\u554f\u984c\uff0c\u800c\u4e0d\u662f\u53ea\u6839\u64da\u4e00\u500b\u9328\u9ede\u4e0b\u5224\u65b7\u3002<\/p>\n<p>\u7576\u4f60\u6709\u8a31\u591a\u7684\u9328\uff0c\u4ed6\u5011\u5206\u5225\u628a\u4f60\u5e36\u5411\u4e0d\u540c\u7684\u601d\u8003\uff0c\u9019\u6642\u4f60\u504f\u898b\u5176\u5be6\u5c31\u76f8\u5c0d\u5c11\u5f88\u591a\u4e86\u3002<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"10_%E6%83%85%E7%B7%92Emotions\"><\/span>10. \u60c5\u7dd2(Emotions)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u60c5\u7dd2(Emotions)\u6703\u5f71\u97ff\u91d1\u878d\u6c7a\u7b56\uff0c\u5b83\u5011\u662f\u76f4\u89ba\u4f86\u63d0\u4f9b\u5feb\u901f\u8a55\u4f30\u7684\u95dc\u9375\uff0c\u826f\u597d\u7684\u60c5\u7dd2\u6703\u589e\u52a0\u6a02\u89c0\u3001\u98a8\u96aa\u627f\u64d4\u80fd\u529b\uff0c\u8b93\u4eba\u5011\u66f4\u5feb\u5730\u505a\u51fa\u6295\u8cc7\u6c7a\u5b9a\u3002<\/p>\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u6703\u53d7\u5230\u60c5\u7dd2\u5316\u7684\u5f71\u97ff\uff0c\u88ab\u6050\u61fc\u548c\u8caa\u5a6a\u5f71\u97ff\u4e86\u6295\u8cc7\u6c7a\u7b56\uff0c\u5c24\u5176\u662f\u5728\u725b\u5e02\u3001\u718a\u5e02\u6642\u5c31\u8d8a\u6703\u53d7\u5230\u60c5\u7dd2\u7684\u5f71\u97ff\u3002<\/p>\n<p>\u7576\u5e02\u5834\u8655\u65bc\u725b\u5e02\u6642\uff0c\u6295\u8cc7\u4eba\u7d1b\u7d1b\u60f3\u9032\u5165\u5e02\u5834\u3001\u5e0c\u671b\u80fd\u5f9e\u4e2d\u7372\u5f97\u5229\u6f64\uff1b\u7576\u5e02\u5834\u8655\u65bc\u718a\u5e02\u6642\u5247\u53ef\u80fd\u6703\u4e0d\u6562\u9032\u5834\uff0c\u4ee5\u907f\u514d\u640d\u5931\u3002<\/p>\n<p>\u60c5\u7dd2\u662f\u4e00\u500b\u5f88\u5ee3\u7fa9\u7684\u8a5e\uff0c\u5b83\u6703\u5e36\u4f86\u591a\u7a2e\u4e0d\u540c\u7684\u5f71\u97ff\uff0c\u4e5f\u53ef\u80fd\u884d\u751f\u51fa\u5176\u4ed6\u985e\u578b\u7684\u504f\u898b\uff0c<\/p>\n<p>\u4eba\u751f\u4e2d\uff0c\u60c5\u7dd2\u4e0d\u4e00\u5b9a\u662f\u58de\u4e8b\uff0c\u56e0\u70ba\u5b83\u5e36\u7d66\u6211\u5011\u751f\u547d\u4e00\u4e9b\u8d77\u4f0f\u3002<\/p>\n<p>\u4f46\u6295\u8cc7\u4e2d\uff0c\u60c5\u7dd2\u5927\u591a\u662f\u58de\u4e8b\uff0c\u56e0\u70ba\u5b83\u6703\u8b93\u4f60\u7684\u6c7a\u7b56\u5931\u53bb\u6e96\u5247\u3002<\/p>\n<blockquote><p><strong>\u5e02\u5834\u5148\u751f\uff1a\u60c5\u7dd2\u7d66\u6211\u5011\u7684\u555f\u793a<\/strong><\/p>\n<p>\u958b\u59cb\u6295\u8cc7\u5f8c\uff0c\u5982\u679c\u8aaa\u6709\u4ec0\u9ebc\u91cd\u8981\u7684\u4e8b\u60c5\uff0c\u5c31\u662f\u6211\u5efa\u8b70\u4f60\u76e1\u5feb\u5730\u53bb\u300c\u611f\u53d7\u60c5\u7dd2\u7684\u8d77\u4f0f\u300d\u3002<\/p>\n<p>\u5927\u591a\u6578\u4eba\u7b2c\u4e00\u6b21\u640d\u76ca\u8b8a\u52d5\u6642\uff0c\u60c5\u7dd2\u90fd\u6703\u88ab\u727d\u52d5\uff0c\u9019\u662f\u5f88\u91cd\u8981\u7684\u611f\u89ba\uff0c\u8acb\u76e1\u53ef\u80fd\u8a18\u4f4f\u5b83\uff0c\u4e26\u4e14\u5728\u4ee5\u5f8c\u8a66\u8457\u638c\u63e1\u81ea\u5df1\u60c5\u7dd2\u3001\u628a\u884c\u52d5\u548c\u60c5\u7dd2\u505a\u5230\u9694\u96e2\u3002<\/p>\n<p>\u771f\u6b63\u512a\u79c0\u7684\u6295\u8cc7\u8005\u6216\u6295\u6a5f\u8005\uff0c\u5f80\u5f80\u4e5f\u90fd\u662f\u6700\u4f73\u7684\u60c5\u7dd2\u7ba1\u7406\u8005\u3002<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"%E5%BF%AB%E9%80%9F%E9%87%8D%E9%BB%9E%E6%95%B4%E7%90%86%EF%BC%9A%E8%A1%8C%E7%82%BA%E7%B6%93%E6%BF%9F%E5%AD%B8%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span>\u5feb\u901f\u91cd\u9ede\u6574\u7406\uff1a\u884c\u70ba\u7d93\u6fdf\u5b78\u662f\u4ec0\u9ebc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><span style=\"font-size: 16px;\">\u884c\u70ba\u7d93\u6fdf\u5b78\u8a8d\u70ba\uff0c\u6295\u8cc7\u4eba\u5176\u5be6\u4e26\u975e\u5b8c\u5168\u662f&#8221;\u7406\u6027&#8221;\u7684\uff0c\u4ed6\u5011\u7684\u81ea\u6211\u63a7\u5236\u80fd\u529b\u6709\u9650\uff0c\u5bb9\u6613\u53d7\u5230\u81ea\u5df1\u504f\u898b\u7684\u5f71\u97ff\uff0c\u4e26\u4e14\u6703\u51fa\u73fe\u8a8d\u77e5\u932f\u8aa4\u3001\u5c0e\u81f4\u932f\u8aa4\u7684\u6c7a\u5b9a\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u884c\u70ba\u91d1\u878d\u662f\u884c\u70ba\u7d93\u6fdf\u5b78\u7684\u5176\u4e2d\u4e00\u500b\u5206\u652f\uff0c\u5c08\u9580\u7814\u7a76\u6295\u8cc7\u4eba\u5011\u4e0d\u7406\u6027\u7684\u91d1\u878d\u884c\u70ba\u53ef\u80fd\u6709\u54ea\u4e9b\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u5c0d\u6295\u8cc7\u4eba\u4f86\u8aaa\uff0c\u4e86\u89e3\u884c\u70ba\u91d1\u878d\u5b78\uff0c\u53ef\u4ee5\u5e6b\u6211\u5011\u8a8d\u8b58\u5230\u81ea\u5df1\u6f5b\u610f\u8b58\u4e2d\u4e00\u4e9b\u53ef\u80fd\u72af\u7684\u932f\u8aa4\uff0c\u4e26\u4e14\u63d0\u65e9\u53bb\u907f\u958b\u5b83\u3002<\/span><\/li>\n<\/ol>\n<p><span style=\"font-size: 16px;\">\u672c\u6587\u4e2d\u5e02\u5834\u5148\u751f\u5217\u51fa\u5e38\u898b\u7684\u91d1\u878d\u504f\u8aa4\u670910\u500b\uff1a<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">\u5fc3\u7406\u5e33\u6236\uff1a\u4eba\u5011\u70ba\u4e86\u7279\u5b9a\u76ee\u7684\uff0c\u4f86\u5206\u914d\u8cc7\u91d1\u7684\u904b\u7528\u65b9\u5f0f\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u5f9e\u773e\u884c\u70ba(\u7f8a\u7fa4\u6548\u61c9)\uff1a\u4eba\u5011\u6703\u6a21\u4eff\u5927\u591a\u6578\u4eba\u7684\u91d1\u878d\u884c\u70ba\u7fd2\u6163\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u640d\u5931\u898f\u907f\uff1a\u4eba\u5011\u50be\u5411\u65bc\u907f\u514d\u640d\u5931\u800c\u4e0d\u662f\u7372\u5f97\u540c\u7b49\u6536\u76ca\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u6c89\u6ca1\u6210\u672c\uff1a\u5df2\u7d93\u767c\u751f\u3001\u7121\u6cd5\u6539\u8b8a\u7684\u6210\u672c\uff0c\u7406\u6027\u7684\u6295\u8cc7\u61c9\u8a72\u4e0d\u8981\u8003\u616e\u5230\u6c89\u6c92\u6210\u672c\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u8ced\u5f92\u8b2c\u8aa4\uff1a\u4eba\u5011\u5e38\u6839\u64da\u4ee5\u524d\u7684\u4e8b\u4ef6\u6216\u4e00\u7cfb\u5217\u4e8b\u4ef6\u7684\u7d50\u679c\uff0c\u8a8d\u70ba\u67d0\u500b\u96a8\u6a5f\u4e8b\u4ef6\u767c\u751f\u7684\u53ef\u80fd\u6027\u6703\u8f03\u5c0f\u6216\u66f4\u5927\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u63a7\u5236\u7684\u932f\u89ba\uff1a\u9ad8\u4f30\u81ea\u5df1\u63a7\u5236\u4e8b\u4ef6\u7684\u80fd\u529b\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u9078\u64c7\u6096\u8ad6\uff1a\u4eba\u5011\u9762\u5c0d\u66f4\u591a\u7684\u9078\u64c7\u6642\uff0c\u53cd\u800c\u7121\u6cd5\u505a\u51fa\u660e\u667a\u7684\u9078\u64c7\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u78ba\u8a8d\u504f\u8aa4\uff1a\u4eba\u5011\u7e3d\u662f\u9078\u64c7\u6027\u4f86\u6536\u96c6\u5c0d\u81ea\u5df1\u6709\u5229\u7684\u8cc7\u8a0a\uff0c\u537b\u5ffd\u7565\u4e0d\u5229\u6216\u77db\u76fe\u7684\u8cc7\u8a0a\u3002<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u9328\u5b9a\u504f\u898b\uff1a\u4eba\u5011\u5728\u505a\u6c7a\u5b9a\u6642\uff0c\u6703\u904e\u5206\u4f9d\u8cf4\u5df2\u6709\u7684\u8a0a\u606f\u6216\u4ed6\u5011\u767c\u73fe\u7684\u7b2c\u4e00\u500b\u8a0a\u606f\u3002<\/span><\/li>\n<li><span style=\"font-size: 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href=/index.html"https:\/\/\/jisun-account-588\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u80a1\u7968\u958b\u6236\u300b\u6700\u65b0\u512a\u60e0\u958b\u6236\u6d3b\u52d5\u5206\u4eab<\/a><\/p>\n<p>4.\u00a0<a href=/index.html"https:\/\/\/fund-cnyes-mrmarket\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u57fa\u91d1\u958b\u6236\u300b\u8cb7\u57fa\u91d10\u624b\u7e8c\u8cbb\u7684\u958b\u6236\u512a\u60e0<\/a><\/p>\n<p>5.\u00a0<a href=/index.html"https:\/\/\/us-stocks-broker-choose\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u7f8e\u80a1\u958b\u6236\u300b\u5404\u5238\u5546\u7279\u8272\u8207\u624b\u7e8c\u8cbb\u6bd4\u8f03<\/a><\/p>\n\u7de8\u8f2f\uff1aJoy \u4e3b\u7de8\uff1a\u5e02\u5834\u5148\u751f\n<p><strong><span style=\"font-size: 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