理论论文

理论论文

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Social Networks, Reputation, and Commitment: Evidence From a Savings Monitors Experiment

社会网络、声誉与承诺:来自储蓄监督者实验的证据

Econometrica · 2019, 87(1) · Emily Breza、Arun G. Chandrasekhar ·

消费家庭金融

我们开展了一项实验,研究当关于个人自设储蓄目标进展情况的信息被分享给另一位村民(即“监督者”)时,个体是否会储蓄更多。我们构建了一个声誉框架,以探讨监督者的有效性如何取决于其网络位置。在意他人是否将自己视为负责任之人的储蓄者,应当在与中心监督者(其信息传播范围更广)和近邻监督者(其将信息传递给与储蓄者频繁互动的个体)配对时储蓄更多。我们将监督者随机分配给储蓄者,发现监督者平均使储蓄增加36%。与框架一致,更中心、更近邻的监督者带来更大的储蓄增幅。此外,信息通过网络流动,63%的监督者会向他人告知储蓄者的进展情况。实验结束十五个月后,其他村民已根据该干预更新了对储蓄者责任感的信念。

英文原文

We conduct an experiment to study whether individuals save more when information about the progress toward their self-set savings goal is shared with another village member (a “monitor”). We develop a reputational framework to explore how a monitor's effectiveness depends on her network position. Savers who care about whether others perceive them as responsible should save more with central monitors, who more widely disseminate information, and proximate monitors, who pass information to individuals with whom the saver interacts frequently. We randomly assign monitors to savers and find that monitors on average increase savings by 36%. Consistent with the framework, more central and proximate monitors lead to larger increases in savings. Moreover, information flows through the network, with 63% of monitors telling others about the saver's progress. Fifteen months after the conclusion of the experiment, other villagers have updated their beliefs about the saver's responsibility in response to the intervention.

Preferences for Truth-Telling

说真话偏好

Econometrica · 2019, 87(4) · Johannes Abeler、Daniele Nosenzo、Collin Raymond ·

未归类D 微观经济学

私人信息是许多经济活动的核心。几十年来,经济学家一直假设,如果谎报私人信息能使个人的物质收益最大化,个人就愿意这样做。我们整合了经济学、心理学和社会学领域90项实验研究的数据,并表明,事实上人们说谎出奇地少。随后,我们对所观察到的行为的一系列广泛潜在解释进行了形式化,识别出能够区分这些模型的可检验预测,并开展了新的实验以进行检验。我们的实证证据表明,偏好被视为诚实以及偏好诚实是说真话的主要动机。

英文原文

Private information is at the heart of many economic activities. For decades, economists have assumed that individuals are willing to misreport private information if this maximizes their material payoff. We combine data from 90 experimental studies in economics, psychology, and sociology, and show that, in fact, people lie surprisingly little. We then formalize a wide range of potential explanations for the observed behavior, identify testable predictions that can distinguish between the models, and conduct new experiments to do so. Our empirical evidence suggests that a preference for being seen as honest and a preference for being honest are the main motivations for truth‐telling.