根據心理學及行為財務學的研究，人類做決策（做決定）時，往往受到許多自己很難察覺到的「不理性」心理因素影響，導致決策品質低落。值得注意的是，不但做小決定時會有這種問題，做重大決策時也很難「免疫」。很多時候，人們是自以為理性地做出不理性的決策。本課程旨在探討「正常人」都會有的幾個「經常導致決策不理性」的「捷思（heuristics）」，或可稱為「大腦決策過程的bugs」；藉此來協助學員培養在決策過程中適時將一些對決策具有重大影響的bugs辨識出來的能力。如此一來，除了能提升自己的決策品質（知己），也更能了解別人可能會如何作決策（知彼），進而知己知彼地做出更具品質的財務決策及投資決策。
承前述，本課程旨在幫助⾼階經理⼈探索⼼理盲點與認知陷阱，避免決策時犯下知覺性或動機性偏誤。財務學及投資學為「財務及投資IQ」加分，投資⼼理學則是增⻑「財務及投資EQ」。本課程協助學員避開決策盲點，減少錯誤的決策，包括避免無謂的錯誤決策及投資損失。課程內容包括：詳細比較系統⼀（快思）vs系統⼆（慢想）的差異及特色。並透過介紹⾏為決策理論的演進過程來探討人類「應然」的決策模式及「實然」的決策模式；其中包括對「⾏為財務學」有重大影響的展望理論（prospect theory）。課程中將說明常見的捷思及心理效應：包括代表性捷思、易取性捷思、錨點與調整偏誤、原賦效應、損失趨避、安於現狀、框架效應、⼼理帳⼾、處置效應等。務求讓學員能體會到：各種捷思如何神出鬼沒地出現在日常生活中，進而影響我們的大小決策。並以此為基礎，介紹行為財務學近年來的幾個重要發現。According to the study of psychology and behavioral finance, when human decisions (decisions), they are often affected by many "irrational" psychological factors that they find difficult to observe, resulting in a low quality of decisions. It is worth noting that not only will this problem occur when making small decisions, but it is also difficult to "immune" when making major decisions. Many times, people make irrational decisions that they think they are rational. This course aims to explore several "heuristics" that "regular people" have, or "bugs in the brain's decision-making process"; in this way, it helps students cultivate decision-making In the process, the ability to identify some bugs that have a significant impact on decisions is appropriate. In this way, in addition to improving one's own decision-making quality (confidant), one can also better understand how others may make decisions (know the enemy), and then make more quality financial and investment decisions by knowing oneself and the enemy.
Following the foregoing, this course aims to help senior managers explore psychological blindness and cognitive traps, and avoid incisive or dynamic bias when making decisions. Financial and investment studies add points to "Financial and Investment IQ", while investment psychology is an increase in "Financial and Investment EQ". This course helps students avoid blind decisions and reduce misdecisions, including avoiding unreasonable misdecisions and investment losses. The course content includes: detailed comparison of the differences and characteristics of the system 1 (QuickSci) vs. Slow Thinking. And through the evolution of behavioral decision theory, we will explore the decision mode of human beings' "responsive" and the decision mode of "responsive"; which include prospect theory that has a significant impact on "behavior financial learning". In the course, we will explain common quick thinking and psychological effects: including representative quick thinking, easy-to-see quick thinking, point-and-adjustment bias, original effect, misconduct, security, framework effect, psychological account, The effect of disposal should be applied, etc. I hope that students can learn how various quick thinking can appear in everyday life without appearing in their daily lives, which will affect our decisions. And based on this, we introduce several important discoveries in behavioral financial learning in recent years.
《管理與商業心理學》林財丁著，滄海書局。
"Management and Business Psychology" by Lin Fangding, Huahai Books Bureau.
| 評分項目 Grading Method | 配分比例 Grading percentage | 說明 Description |
|---|---|---|
| 課堂參與課堂參與 Class Participation |
50 | |
| 課後作業及報告課後作業及報告 Post-class operations and reporting |
50 |
