基于吸引效应的银行理财产品开发策略

Development Strategy of Bank Financial Products Based on Attraction Effect

利用实验的方法研究吸引效应对投资者选择银行理财产品决策行为的影响。结果表明,当理财产品的收益率相对较低时,投资者偏好风险,吸引效应没有对投资者的选择产生影响;当理财产品的收益率相对较高时,投资者相对保守一些,吸引效应会对投资者的选择产生影响。

The paper use experimental methods to study the attraction effect＇s influence on the investors＇ decision on bank financial products.The result implies that the attraction effect has little influence on the investors＇ decision when the earnings rate is relatively low and thus investors are risk seeking.However,when the earnings rate is relatively high and investors are risk aversion,the attraction effect does influence the investors＇ decision.