The Influence Of Loneliness,presentation And Others' Advice On Intertemporal Choice Of Online Financial Investment

Intertemporal choice of online financial investment is a process in which investors evaluate the expected return with the time limit of funds under the condition that the Internet financial background and risks are relatively stable.This research explored the influence of loneliness,presentation and others' advice on intertemporal choice of online financial investment on the basis of previous research.In experiment 1,179 participants were selected,and both high-loneliness participants and low-loneliness participants were required to conduct intertemporal choice of online financial investment in three different presentation modes,exploring the influence of loneliness and presentation on the intertemporal choice of online financial investment.In experiment 2,370 participants were selected,and the variable of others' advice was added.Each group of participants was asked to make choices in only one presentation mode,but considering different others' advice to investigate the influence of loneliness,presentation and others' advice on the intertemporal choice of online financial investment.The conclusions of this study were as follows:(1)The time discounting of high-loneliness individuals was higher than that of low-loneliness individuals,indicating that high-loneliness individuals were more inclined to choose the delayed option;(2)When the presentation was the profit,decision makers were tended to choose the immediate option,and the time discounting of intertemporal choice was larger;(3)When experts put forward positive advice on the delayed option,compared with the novice advice and no advice,the time discounting of decision makers was the smallest,and decision makers were more willing to choose the delayed option;(4)Only displaying the interest of financial products,both of high-loneliness individualsand low-loneliness individuals were more likely to choose the delayed option,and the time discounting of intertemporal choice was smaller;(5)In the context of expert advice,it's more likely that high-loneliness individuals chose the delayed option,and the time discounting of intertemporal choice was smaller;(6)When only displaying the profit and displaying both profit and interest,decision makers' preference for the delayed option was significantly increased in the context of expert advice,and the time discounting for intertemporal choice was dramatically reduced.