计算式焦虑视角下的新型家庭理财观探析

An Exploratory Analysis of New Views on Family Financial Management from the Perspective of Computational Anxiety

计算式焦虑是兼具“理性计算+感性情绪”的矛盾体,计算式焦虑导致家庭财务风险的传导路径主要有四种,家庭的投资收益公式可用R+p(θ2,f0)×α×χ-(p,w)来表示,家庭投资收益与计算式焦虑产生的投资者心理波动偏差密切相关。计算式焦虑的存在印证了家庭生活的“伪幸福”,计算式焦虑的存在使家庭更易陷入负债经营模式的路径依赖中。国家推动可持续发展的产业转型,以及家庭在投资理财活动过程中的“自我调节+自我唤醒”都可以适当缓解家庭的计算式焦虑,以降低家庭计算式焦虑感为目的的新型理财观更能提升家庭幸福度。

The computational anxiety is the paradox of“rational calculation and emotional emotion”.There are four main ways in which computational anxiety can lead to family financial risks.The family’s formula of re⁃turn on investment can be expressed as:.The family’s return on investment is closely related to the fluctuation de⁃viation of investor psychology caused by computational anxiety.The existence of computational anxiety proves the“false happiness”of family life,and makes families more likely to fall into the path dependence of the debt man⁃agement mode.The calculation anxiety of families can be properly alleviated through the nation’s industrial trans⁃formation of the sustainable development,and the family’s“self-adjustment+self-awakening”in the process of investment and financial management activities,and the new view on financial management aiming to reduce the family’s computational anxiety can give more improvement of family happiness.