Skip to main content
SpringerLink
Log in

Finanzpsychologie

  • Chapter
Wirtschaftspsychologie für Bachelor

Part of the book series: Springer-Lehrbuch ((SLB))

Zusammenfassung

Im Umgang mit Finanzen spielen psychologische Phänomene eine wichtige Rolle. Experimente zeigen, dass rationales Verhalten im Sinn der ökonomischen Theorie eher die Ausnahme als die Regel ist. Aber menschliches Verhalten weicht nicht einfach zufällig von den Vorhersagen der ökonomischen Theorie ab. Die Abweichungen sind systematisch und in vielen Fällen vorhersehbar. Die grundlegenden psychologischen Erkenntnisse darüber, wie Menschen finanzielle Entscheidungen treffen, spiegeln sich in zahlreichen Anwendungsfeldern. Sie erklären, wie wir uns als Anleger auf Finanzmärkten verhalten, wie Spekulationsblasen entstehen, wie wir Preise und Löhne (und Änderungen davon) wahrnehmen oder wie wir dazu gebracht werden können, korrekt Steuern zu zahlen und genügend fürs Rentenalter auf die Seite zu legen.

This is a preview of subscription content, log in via an institution to check access.

Access this chapter

Log in via an institution
Chapter
USD 29.95
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
eBook
USD 29.99
Price excludes VAT (USA)
  • Available as EPUB and PDF
  • Read on any device
  • Instant download
  • Own it forever
Softcover Book
USD 39.99
Price excludes VAT (USA)
  • Compact, lightweight edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info

Tax calculation will be finalised at checkout

Purchases are for personal use only

Institutional subscriptions

Literatur

  • Adams, J. S. (1965). Inequity in social exchange. In L. Berkowitz (Ed.), Advances in experimental social psychology (Vol. 2, pp. 267-299). New York: Academic Press.

    Google Scholar 

  • Akerlof, G. A. (1984). Gift exchange and efficiency wage theory: Four views. American Economic Review, 74, 79-83.

    Google Scholar 

  • Akerlof, G. A., & Yellen, J. L. (1988). Fairness and unemployment. American Economic Review, 78, 44-49.

    Google Scholar 

  • Akerlof, G. A., Dickens, W. T., & Perry, G. L. (2000). Near-rational wage and price setting and the long-run Phillips curve. Brookings Papers on Economic Activity, 1, 1-60.

    Article  Google Scholar 

  • Alm, J. (2012). Measuring, explaining, and controlling tax evasion: Lessons from theory, experiments, and field studies. International Tax and Public Finance, 19, 54-77.

    Article  Google Scholar 

  • Alm, J., & Torgler, B. (2011). Do ethics matter? Tax compliance and morality. Journal of Business Ethics, 101, 635-651.

    Article  Google Scholar 

  • Avi-Yonah, R. S. (2014). Corporate taxation and corporate social responsibility. New York University Journal of Law and Business, 11, 1-29.

    Google Scholar 

  • Barberis, N., Huang, M., & Santos, T. (2001). Prospect theory and asset prices. Quarterly Journal of Economics, 116, 1-53.

    Article  Google Scholar 

  • Barberis, N., & Thaler, R. A. (2003). A survey of behavioral finance. In G. M. Constantinides, M. Harris, & R. Stulz (Eds.), Handbook of the economics of finance (pp. 1051-1121). Amsterdam: Elsevier.

    Google Scholar 

  • Becker, G. (1968). Crime and punishment: An economic approach. Journal of Political Economy, 76, 169-217.

    Article  Google Scholar 

  • Benes, J., & Kumhof, M. (2012). The Chicago plan revisited. IMF Working Paper 12/202. Washington: International Monetary Fund.

    Google Scholar 

  • Bewely, T. F. (1998). Why not cut pay? European Economic Review, 42, 459-490.

    Article  Google Scholar 

  • Blanchard, O., & Galí, J. (2007). Real wage rigidities and the New Keynesian model. Journal of Money, Credit and Banking, 39, 35-65.

    Article  Google Scholar 

  • Bowles, S., Gintis, H., & Osborne, M. (2001). Incentive-enhancing preferences: Personality behavior and earning. American Economic Review, 91, 155-158.

    Article  Google Scholar 

  • Canova, L., Rattazzi, A. M. M., & Webley, P. (2005). The hierarchical structure of saving motives. Journal of Economic Psychology, 26, 21-34.

    Article  Google Scholar 

  • Cebula, R. J., & Feige, E. L. (2012). America’s unreported economy: measuring the size, growth and determinants of income tax evasion in the U.S. Crime, Law and Social Change, 57(3), 265-285.

    Article  Google Scholar 

  • Cronqvist, H., & Thaler, R. H. (2004). Design choices in privatized social-security systems: Learning from the Swedish experience. American Economic Review, 94, 424-428.

    Article  Google Scholar 

  • Döring, T. (2015). Öffentliche Finanzen und Verhaltensökonomik. Zur Psychologie der budgetwirksamen Finanzpolitik. Wiesbaden: Springer Gabler.

    Chapter  Google Scholar 

  • Duesenberry, J. (1949). Income, saving, and the theory of consumer behavior. Cambridge, MA: Harvard University Press.

    Google Scholar 

  • Engström, P., Nordblom, K., Ohlsson, H., & Persson, A. (2015). Tax compliance and loss aversion. American Economic Journal: Economic Policy, 7, 132-164.

    Google Scholar 

  • Europäische Kommission (2016). Ein riesiges Problem.http://ec.europa.eu/taxation_customs/taxation/tax_fraud_evasion/a_huge_problem/index_de.htm

  • Fama, E. (1965). The behavior of stock market prices. Journal of Business, 38, 34-105.

    Article  Google Scholar 

  • Ferrer-i-Carbonell, A. (2005). Income and well-being: An empirical analysis of the comparison income effect. Journal of Public Economics, 89, 997-1019.

    Article  Google Scholar 

  • Ford, H. (1922). My life and work. New York, USA: Garden City.

    Google Scholar 

  • Frank, R. H. (2005). Positional externalities cause large and preventable welfare losses. American Economic Review, 95, 137-141.

    Article  Google Scholar 

  • Frank, R. H, Levine, A. S., & Dijk, O. (2014). Expenditure cascades. Review of Behavioral Economics, 1, 55-73.

    Article  Google Scholar 

  • Frey, B. S., & Jegen, R. (2001). Motivation crowding theory. Journal of Economic Surveys, 15, 589-611.

    Article  Google Scholar 

  • Friedman, H. (1957). A theory of the consumption function. Princeton, NJ: Princeton University Press.

    Google Scholar 

  • Friedman, M. (1953). The case for flexible exchange rates. In M. Friedman (Ed.), Essays in positive economics (pp. 157-203). Chicago: University of Chicago Press.

    Google Scholar 

  • Garboua, L., Masclet, D., & Montmarquette, C. (2009). A behavioral Laffer curve: Emergence of a social norm of fairness in a real effort experiment. Journal of Economic Psychology, 30, 147-161.

    Article  Google Scholar 

  • Gneezy, U., Rustichini, A. (2000). A fine is a price. Journal of Legal Studies, 29, 1-17.

    Article  Google Scholar 

  • Hall, C., Zhao, J. C., & Shafir, W. (2014). Self-affirmation among the poor – cognitive and behavioral implications. Psychological Science, 25, 619-625.

    Article  PubMed  Google Scholar 

  • Hessing, D. J., Kinsey, K. A., & Weigel, R. (1988). Exploring the limits of self-reports and reasoned action: An investigation of the psychology of tax evasion behavior. Journal of Personality and Social Psychology, 54, 405-413.

    Article  Google Scholar 

  • Hirshleifer, D., & Shumway, T. (2003). Good day sunshine: Stock returns and the weather. Journal of Finance, 58, 1009-1032.

    Article  Google Scholar 

  • HM Revenue & Customs (2016). Measuring tax gaps 2016 edition. Tax gap estimates for 2014-15. London: HM Revenue & Customs Corporate Communications.

    Google Scholar 

  • Kahneman, D., & Tversky, A. (1979). Prospect theory: An analysis of decision under risk. Econometrica, 47, 263-291.

    Article  Google Scholar 

  • Kirchler, E. (2011). Wirtschaftspsychologie (4. Aufl.). Göttingen: Hogrefe.

    Google Scholar 

  • Madrian, B. C. (2014). Applying insights from behavioral economics to policy design. Annual Review of Economics, 6, 663-688.

    Article  PubMed  PubMed Central  Google Scholar 

  • Madrian, B. C., & Shea, D. F. (2001). The power of suggestion: Inertia in 401(k) participation and savings behavior. The Quarterly Journal of Economics, 116, 1149-1187.

    Article  Google Scholar 

  • Manski, C. F. (2014). Identification of income-leisure preferences and evaluation of income tax policy. Quantitative Economics, 5, 145-174.

    Article  Google Scholar 

  • Mendershausen, H. (1940). Differences in family savings between cities of different size and location, whites and negroes. The Review of Economics and Statistics, 22, 122-137.

    Article  Google Scholar 

  • Modigliani, F., & Brumberg, R. (1954). Utility analysis and the consumption factor: An interpretation of the data. In K. Kurihara (Ed.), Post-Keynesian economics (pp. 388-436). New Brunswick, NJ: Rutgers University Press.

    Google Scholar 

  • Montier, J. (2010). Die Psychologie der Börse. Der Praxisleitfaden für Behavioral Finance. München: FinanzBuch.

    Google Scholar 

  • Von Neumann, J., & Morgenstern, O. (1944). Theory of games and economic behavior, Princeton, NJ: Princeton University Press.

    Google Scholar 

  • Nyhus, E. K., & Pons, E. (2005). The effects of personality on earnings. Journal of Economic Psychology, 26, 363-384.

    Article  Google Scholar 

  • Pritchard, R. D. (1969). Equity theory: A review and critique. Organizational Behaviour and Human Performance, 4, 176-211.

    Article  Google Scholar 

  • Raff, D. M. G., & Summers, L. H. (1987). Did Henry Ford pay efficiency wages? Journal of Labor Economics, 5, 57-86.

    Google Scholar 

  • Saez, E., Slemrod, J., & Giertz, S. (2012). The elasticity of taxable income with respect to marginal tax rates: A critical review. Journal of Economic Literature, 50, 3-50.

    Article  Google Scholar 

  • Savage, L. J. (1954). The foundations of statistics. New York: Wiley.

    Google Scholar 

  • Schmölders, G. (1975). Einführung in die Geld- und Finanzpolitik. Darmstadt: WBG.

    Google Scholar 

  • Shafir, E., Diamond, P., & Tversky, A. (1997). Money illusion. The Quarterly Journal of Economics,112, 341-374.

    Article  Google Scholar 

  • Shiller, J. R. (1981). Do stock prices move too much to be justified by subsequent changes in dividends? American Economic Review, 71, 421-436.

    Google Scholar 

  • Shleifer, A. (1986). Do demand curves for stocks slope down? Journal of Finance, 41, 579-590.

    Article  Google Scholar 

  • Sunstein, C. R. (2002). Switching the default rule. New York University Law Review, 77, 106-134.

    Google Scholar 

  • Thaler, R. H. (1985). Mental accounting and consumer choice. Marketing Science, 4, 199-214.

    Article  Google Scholar 

  • Thaler, R. H. (1989). Inter-industry wage differentials. Journal of Economic Perspectives, 3, 181-193.

    Article  Google Scholar 

  • Thaler, R. H. (2015). Misbehaving: The making of behavioral economics. New York: Norton & Company.

    Google Scholar 

  • Thaler, R. H., & Benartzi, S. (2004). Save more tomorrow: Using behavioral economics to increase employee saving. Journal of Political Economy, 112, 164-187.

    Article  Google Scholar 

  • Thaler, R. H., & Johnson, E. (1990). Gambling with the house money and trying to break even: The effects of prior outcomes on risky choice. Management Science, 36, 643-660.

    Article  Google Scholar 

  • Thaler, R., Tversky, A., Kahneman, D., & Schwartz, A. (1997). The effect of myopia and loss aversion on risk-taking: An experimental test. Quarterly Journal of Economics, 112, 647-661.

    Article  Google Scholar 

  • Weigel, R. H., Hessing, D. J., & Elffers, H. (1987). Tax evasion research: A critical appraisal and theoretical model. Journal of Economic Psychology, 8, 215-235.

    Article  Google Scholar 

  • Wiswede, G. (2012). Wirtschaftspsychologie (5. Aufl.) München: Reinhardt.

    Google Scholar 

  • Zucman, G. (2014). The missing wealth of nations: Are Europe and the U.S. net debtors or net creditors? Quarterly Journal of Economics, 128, 1321-1364.

    Article  Google Scholar 

Download references

Author information

Authors and Affiliations

  1. Institut für Wirtschaftspsychologie, Kalaidos Fachhochschule, Jungholzstrasse 43, 8050, Zürich, Schweiz

    Prof. Dr. Felix Schläpfer & Prof. Dr. Christian Fichter

Authors
  1. Prof. Dr. Felix Schläpfer
    View author publications

    You can also search for this author in PubMed Google Scholar

  2. Prof. Dr. Christian Fichter
    View author publications

    You can also search for this author in PubMed Google Scholar

Corresponding authors

Correspondence to Felix Schläpfer or Christian Fichter .

Editor information

Editors and Affiliations

  1. Kalaidos Fachhochschule, Zürich, Switzerland

    Christian Fichter

Rights and permissions

Reprints and permissions

Copyright information

© 2018 Springer-Verlag GmbH Deutschland

About this chapter

Cite this chapter

Schläpfer, F., Fichter, C. (2018). Finanzpsychologie. In: Fichter, C. (eds) Wirtschaftspsychologie für Bachelor. Springer-Lehrbuch. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-662-54944-5_10

Download citation

  • DOI: https://doi.org/10.1007/978-3-662-54944-5_10

  • Publisher Name: Springer, Berlin, Heidelberg

  • Print ISBN: 978-3-662-54943-8

  • Online ISBN: 978-3-662-54944-5

  • eBook Packages: Psychology (German Language)

Publish with us

Policies and ethics

Search

Navigation