行为金融学

Behavioral Finance

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.

杜克大学

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  • 分类: 金融
  • 平台: Coursera
  • 语言: 英语

课程概况

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.

此课程适用人群:This course is intended for anyone who has taken at least one course in economics either in high school or in college, and is interested in how our innate biases affect our financial decision-making.

授课大纲

WEEK 1

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.

5 videos, 3 readings
课程视频: Welcome to Behavioral Finance
阅读: Course Overview
课程视频: Introduction to Classical Economics
阅读: Utility of Money
课程视频: Utility of Money
阅读: Omission Bias
课程视频: Omission Bias Case Study
课程视频: Expected Utility vs Prospect Theory
计分测验: Week 1 Quiz
已评分: Week 1 Quiz

WEEK 2

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.

8 videos, 6 readings
阅读: Problems with Probability
课程视频: Correlation and Causation Error
阅读: Probability Weighting
课程视频: Probability Weighting
课程视频: Relative Probabilities
阅读: The Availability Heuristic
课程视频: The Availability Heuristic
阅读: Framing
课程视频: Mental Accounting and Expenditures
课程视频: Loss Aversion
阅读: Representativeness
阅读: Overconfidence
课程视频: Belief Perseverance and Confirmation Bias
课程视频: Case Study: Belief Perseverance
计分测验: Week 2 Quiz
已评分: Week 2 Quiz

WEEK 3

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!

2 videos, 2 readings
阅读: Money Management
课程视频: Introduction to Financial Decision Making
课程视频: Benefits of Saving Early
阅读: Market Bubbles & Crashes
计分测验: Week 3 Quiz
已评分: Week 3 Quiz

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