
ããã¬ãŒãã³ã°å¹æðãã衚çŸãã²ãšã€ã§äŒããå°è±¡ã广çã«æäœã§ããã®ã¯ã©ãããŠïŒïŒïŒè¡åçµæžåŠ No.9
ä»åã¯ãè¡åçµæžåŠïŒãã¬ãŒãã³ã°å¹æã«ã€ããŠç°¡åã«åŠç¿ããŸãð
ç§ãã¡ã¯ãåžžæ¥é ãããããªæ å ±ã«è§ŠããŠããŸãð¡
ããããåãæ å ±ã§ãç°ãªãæ çµã¿ïŒãã¬ãŒã ïŒã§æç€ºããããšã人ã ã®å€æãæææ±ºå®ãå€ããããšãçµéšããããšãããã®ã§ã¯ãªãã§ããããïŒïŒ
ãã®ãããªçŸè±¡ã«ã€ããŠãè¡åçµæžåŠã®ç¥èãšçµã³ã€ããŠèããŠãããŸãããâš
è¡åçµæžåŠãæåŒ·ã®åŠåã§ããð
çµæžåŠéšã«éãç§ã
ãããã倧åŠãåŠéšãæçµå¹Žã«ãªã
åŠåã«å
šåãæ³šãæéãéãããŠããŸããð
ãç¥ã¯åãªãããšããèšèãä¿¡ããŠ
æ®ãã®å€§åŠççæŽ»ãæºå«ããããšæããŸã
åŠéšã¬ãã«ã®ãã¯ãçµæžåŠçã¯
å人çã«ããçè§£ã§ããã€ããã§ã
ããããªãããæ¬åœã®çµæžã®ååãçè§£ããããšããããŠããžãã¹ã§æŽ»ãããç¥æ§ãäŒåŸããã«ã¯ãåŠéšã¬ãã«ã®ç¥èã§ã¯ã話ã«ãªããŸããð¥
çŸå®ã®çµæžããŒã¿ããçè«ã¢ãã«ãšåœãŠã¯ã
æ£ããèšéææ³ã«ãã£ãŠå®èšŒåæã§ããåãéžæããã
ãã£ãšå°æ¥ã©ããã§æŽ»èºã§ãã人財ã«ãªããå¯èœæ§ãé«ããããšã«ç¹ãããšæããŸã
ãã®ãããèšéçµæžåŠã®å匷ã«ããã©ã€ããçŸåšãç¥èŠãæ·±ããŠãããããã«åªããŠããŸã
ãããããããæ°åãèšéåæã®ç¥èãäŒåŸããŠããæ°åãèªã¿ãšãåããéåççãªè¡åãžã®å¯Ÿå¿åããããžãã¹ãžã®å¿çšåããç¡ããã°ããã®ç¥èãæå¹æŽ»çšããããšã¯ã§ããŸãã
ã ãããããç§ã¯ãã®ã¿ã€ãã³ã°ã§æ£ããè¡åçµæžåŠã®ç¥èãçè«ãäŒåŸããªããã°ãªããªããšèªèŠããŸããðŠ
ãªããªãã°ãå®éã®çµæžååãæ¿æ²»ãšçµã³ã€ããªãã
å¿çšã§ããèœåããªããã°
ç¥èãæã€æçŸ©ãå°ãããªã£ãŠããŸãããã§ãðŠ
äœäºãã¢ãŠããããåæã®ã€ã³ãããã
倧äºã§ãããšãnoteã§æ¯æ¥çºä¿¡ããŠããŸããð£
ããã¯ãã©ã®ãããªå
容ã§
ãã£ãŠãåœãŠã¯ãŸããŸãð
å
è¡ç ç©¶ã®è«æãäžæŠã«èªãã§ã
èšæ¶ã«æ®ã£ãŠããªãã£ãã
倧åãªèгç¹ãå¿ããŠããŸã£ãŠãããããã
åŠç¿ã®é²æã¯æ»ã£ãŠããŸããšæããŸã
ã ããããããã®ãnoteãããã«æŽ»çšããŠ
èªåã®ç¥èã1ïŒ
ã§ããå®çãã
誰ã«ã§ããããããã解説ãã¢ãŠããããã§ããããã«åªããŠãããããšæããŸã
以äžã§ã¯ãç§ãããããåŠç¿ãã
å
šäžçã§æ³šç®ãéããŠãããè¡åçµæžåŠãã«ã€ããŠ
ã¢ãŠããããããŠãããããšæããŸãð¥
ãªããæ¬æçš¿äœæã«ãããåèæç®ã¯ä»¥äžã®éãã§ã
ååã®ã埩ç¿ãð
è¡åçµæžåŠã®åçïŒPrincipals of Behavioral Economicsð
Principals of Behavioral Economics
The field of economics is vast.
Although behavioral economics is just a subset of the field, it itself has a number of guiding principles that dictate the themes within behavioral economics.
çµæžåŠã®åéã¯ããšãŠãåºãã§ãïŒ
è¡åçµæžåŠã¯ãã®åéã®äžéšã«ãããŸããããè¡åçµæžåŠèªäœã«ã¯ãè¡åçµæžåŠã®ããŒããæ±ºå®ããå€ãã®æéããããŸãã
ããããã®æçš¿ã¯ãè¡åçµæžåŠäž»ãªååãšããŒãã®ããã€ãã«ã€ããŠèå¯ããŠãããããšæããŸãð
ãã¬ãŒãã³ã°å¹æïŒFraming Effectâš
ãã¬ãŒãã³ã°å¹æïŒFraming EffectïŒã¯ãè¡åçµæžåŠãå¿çåŠã«ãããŠéèŠãªæŠå¿µã®äžã€ã§ãã
ããã¯ãæ
å ±ãéžæè¢ã®æç€ºã®ä»æ¹ã人ã
ã®æææ±ºå®ã«åœ±é¿ãäžããçŸè±¡ãæããŸãã
å
·äœçã«ã¯ãåãæ
å ±ã§ãç°ãªãæ çµã¿ïŒãã¬ãŒã ïŒã§æç€ºããããšã人ã
ã®å€æãæææ±ºå®ãå€ããããšã瀺ããŠããŸãã
Framing
Framing is the principle of how something is presented to an individual.
This behavioral economics concept presents a cognitive bias in that an outcome may be determined based on the structure of how something has been presented.
Consider how someone may feel about the two following statements about
1.Babe Ruth, both of which are describing the same thing:Babe Ruth failed to get a hit in nearly two-thirds of his at-bats.
2.Babe Ruth, one of the greatest baseball players of all time, hit .342 in his lifetime.
ãã¬ãŒãã³ã°å¹æã«ã€ããŠ
ãã¬ãŒãã³ã°ã¯ãäœããå人ã«ã©ã®ããã«æç€ºããããã®ååã§ãã
ãã®è¡åçµæžåŠã®æŠå¿µã¯ãäœããã©ã®ããã«æç€ºããããã®æ§é ã«åºã¥ããŠçµæã決å®ãããå¯èœæ§ããããšããèªç¥ãã€ã¢ã¹ãæç€ºããŸãã
ããŒãã»ã«ãŒã¹ã«é¢ããæ¬¡ã® 2 ã€ã®çºèšã«ã€ããŠã誰ããã©ã®ããã«æãããèããŠã¿ãŸãããã
1.ããŒãã»ã«ãŒã¹ã¯æåžã®
ã»ãŒ3åã®2ã§ããããæãŠãªãã£ãã
2.å²äžæé«ã®éçéžæã®äžäººã§ããããŒãã»ã«ãŒã¹ã¯ãçæ¶¯æç.342ãèšé²ããŸããã
å®ã¯ãã©ã¡ããåãããšãè¿°ã¹ãŠãããŸãïŒ
ããããããã»ã©ã«ãåãåãå°è±¡ãç°ãªãããšã宿ã§ããã®ã§ã¯ãªãã§ããããïŒð
å ããŠãåããªã¹ã¯ãå©åŸãããç¶æ³ã§ããæ
å ±ãè¯å®çãªèŠç¹ã§æç€ºããããšäººã
ã¯ãªã¹ã¯ãåãããããªããŸãããåŠå®çãªèŠç¹ã§æç€ºããããšä¿å®çã«ãªããŸãã
ãã®ããã«ãæ çµã¿ãå€ããããšã§ãåãç¶æ³ã§ã人ã
ã®å€æãç°ãªããšããã®ããã¬ãŒãã³ã°å¹æã®ç¹åŸŽã§ãã
è¡åçµæžåŠã§ã¯ããã®å¹æãæææ±ºå®ã«ã©ã®ããã«åœ±é¿ãäžããããç ç©¶ãããããå©çšããŠå¹æçãªã³ãã¥ãã±ãŒã·ã§ã³ãæ¿çææ¡ãè¡ãæ¹æ³ã暡玢ããŠããŸãã
æ¿åºãäŒæ¥ã¯ãã¡ãã»ãŒãžãæ
å ±ã®ãã¬ãŒãã³ã°ã工倫ããããšã§ã人ã
ã®è¡åãä¿é²ããããæãŸããæ¹åã«å°ãããããããšãæåŸ
ãããŠããŸãã
ãã£ãŠããã¬ãŒãã³ã°å¹æã¯ãä»ã®è¡åçµæžåŠã®æŠå¿µãšçµã¿åãããŠãåºåãæ¿çæ±ºå®ãã³ãã¥ãã±ãŒã·ã§ã³æŠç¥ãªã©æ§ã ãªåéã§å¿çšãããŠããã®ã§ãïŒ
ãã¬ãŒãã³ã°å¹æã掻çšãããð¥
以äžã«ããã¬ãŒãã³ã°å¹æã掻çšããããã®å ·äœçãªæ¹æ³ãããã€ã玹ä»ããŸãã
ããžãã£ãã»ãã¬ãŒãã³ã°ã®æŽ»çšïŒ
äžããããæ å ±ãã¡ãã»ãŒãžãããžãã£ããªèšèãæèã§æç€ºããããšã§ãåãæã®æææ±ºå®ã«è¯ã圱é¿ãäžããããšããããŸããäŸãã°ãååã®åºåã§ã¯ãå²åŒçãã20%ãªãããšè¡šçŸããããããã80%æ®ãããšè¡šçŸããæ¹ã广çã§ãã
æå€±åé¿ã®åŒ·èª¿ïŒ
人ã ã¯æå€±ãé¿ããåŸåã匷ããããæ å ±ãæå€±ãšããŠãã¬ãŒã åããããšã§ããã广çã«èª¬åŸã§ããããšããããŸããäŸãã°ãå¥åº·è£œåã®åºåã§ããããã飲ãããšã§å¥åº·ãå®ããŸãããšãããããããå¥åº·ãå®ãããã«ããã飲ãŸãªããšæå€±ãçããŸãããšè¡šçŸããããšãã§ããŸãã
éžæè¢ã®æ çµã¿ã®å€æŽïŒ
éžæè¢ããªãã·ã§ã³ã®æç€ºã®ä»æ¹ãå€ããããšã§ã人ã ã®æææ±ºå®ã«åœ±é¿ãäžããããšãã§ããŸããäŸãã°ãååã®äŸ¡æ Œããæé¡1000åãã§ã¯ãªããããã£ãã®33å/æ¥ããšè¡šçŸããããšã§ãæ¯æãã®å°ãªãã匷調ãããè³Œè²·ææ¬²ãé«ãŸãããšããããŸãã
ãã¬ãŒãã³ã°ã®äžè²«æ§ãä¿ã€ïŒ
ãã¬ãŒãã³ã°ã¯äžè²«æ§ãä¿ã€ããšãéèŠã§ããåãã¡ãã»ãŒãžãç°ãªãæèã§æç€ºããããšã¯é¿ããã¹ãã§ããäžè²«æ§ãä¿ãããããšã§ãåãæã®æ··ä¹±ãé¿ããä¿¡é Œæ§ãé«ããããšãã§ããŸãã
ã¿ãŒã²ãããªãŒãã£ãšã³ã¹ã«åããããã¬ãŒãã³ã°ïŒ
察象ãšãªã人ã ã®äŸ¡å€èгãåªå é äœã«å¿ããŠããã¬ãŒãã³ã°ã調æŽããããšãéèŠã§ããç°ãªãã¿ãŒã²ãããªãŒãã£ãšã³ã¹ã«åãã¡ãã»ãŒãžãéãå Žåã§ããããããã«é©ãããã¬ãŒãã³ã°ãçšããããšã广çã§ãã
ãããã®æ¹æ³ãçµã¿åãããŠããã¬ãŒãã³ã°å¹æãæå€§éã«æŽ»çšããããšãã§ããŸããð¥
ãã ããæ
å ±ã誀解ãããªãããã«æ³šææ·±ãéžæããå«ççãªèгç¹ãããæ€èšããããšãéèŠã«ãªãã§ãããâš
è¡åçµæžåŠãåŠã¶æçŸ©ã«ã€ããŠð
ä»ãäžçã®åã ãããããäŒæ¥ã§ããè¡åçµæžåŠãåŠãã 人æãã®äºå¥ªæŠãç¹°ãåºããããŠããŸãïŒ
ãã®æçš¿ã¯ãåèè³æããã€ã³ããããããäž»èŠçè«ããã¢ãŠããããããããšã§ãããžãã¹ããŒãœã³å¿
é ã®æé€ãè¡åçµæžåŠãã解説ããããšã«ãã£ã¬ã³ãžããããšæããŸãð
æ¬æžã«ããã°ãããžãã¹ããŒãœã³ã«ãšã£ãŠè¡åçµæžåŠã»ã©ãã€ã±ãŠãåŠåãã¯ãªããšè¿°ã¹ãããŠããŸãð

çŸã«äžçã®ããžãã¹çã§ã¯ãè¡åçµæžåŠã®åœ±é¿åãã¯ãŸããŸã匷ãŸã£ãŠããŸãã
ããŸäžçã®åã ãããããäŒæ¥ã®éã§ãè¡åçµæžåŠãåŠãã 人æãã®äºå¥ªæŠããé »ç¹ã«ç¹°ãåºããããŠããããã§ãïŒ
è¡åçµæžåŠã®ç¥èŠã«å¯ãã ïŒäººã®äººæç²åŸã«äœåäžåãã®è³éãåãã
äŒæ¥ã«ã¯ãè¡åçµæžåŠããŒã ããŸã§ã§ããŠããããã§ããð
ãŸãããã®ãããªããžãã¹çã®èŠè«ãåããäžçã®ããã倧åŠã
次ã
ãšãè¡åçµæžåŠéšããæ°èšãå§ããŠããŸãïŒ
MBAã®ããã«ãå€ãã®ããžãã¹ããŒãœã³ã
è¡åçµæžåŠãåŠã³ã«éãŸã£ãŠãããšã®ããšã§ãð
ãã®ãããªãã¬ã³ããèæ
®ãããããã¯ãè¡åçµæžåŠã¯ããããžãã¹ããŒãœã³ãæã身ã«ã€ããã¹ãæé€ããšãªã£ãŠãããšãã£ãŠãéèšã§ã¯ãããŸããã
ããããè¡åçµæžåŠã¯æ°ããåŠåã§ãããæ
ã«ããããŸã§äœç³»åãããŠããªãã£ãããšãäºå®ã§ãã
çšèªãçè«ãäžã€äžã€äžžæèšãããããªãããªããªããæ¬è³ªããã€ãããªãã£ãããšãäºå®ã§ãããðŠ
ããã§ããã®æçš¿ã§ã¯ãåºç€ç¥èãããããäžã§ãæ¬æžããã€ã³ããããã
ããããžçè«ããããã¹ãã¯ãçè«ãããã身äœçèªç¥ããã¢ãã§ã¯ãããäžç¢ºå®æ§çè«ãããã¯ãŒã»ãªãã»ãã³ãŒãºããŸã§ãäž»èŠçè«ããã¢ãŠããããããããšã§è¡åçµæžåŠã解説ããŠããããšã«ããŸãð¥
What Is Behavioral Economics? Theories, Goals, and Applications
What Is Behavioral Economics?
Behavioral Economics is the study of psychology as it relates to the economic decision-making processes of individuals and institutions.
Behavioral economics is often related with normative economics.
It draws on psychology and economics to explore why people sometimes make irrational decisions, and why and how their behavior does not follow the predictions of economic models.
è¡åçµæžåŠãšã¯äœã§ãããïŒ
è¡åçµæžåŠã¯ãå人ãçµç¹ã®çµæžçæææ±ºå®ããã»ã¹ã«é¢é£ããå¿çåŠã®ç ç©¶ã§ã
è¡åçµæžåŠã¯å€ãã®å ŽåãèŠç¯çµæžåŠ(normative economics)ãšé¢é£ããŠããŸã
ãã®æ¬ã§ã¯ãå¿çåŠãšçµæžåŠã掻çšããŠã人ã
ãææãéåççãªæ±ºå®(irrational decisions)ãäžãçç±ãããã³äººã
ã®è¡åãçµæžã¢ãã«ã®äºæž¬ã«åŸããªãçç±ãšãã®ä»çµã¿ãæ¢ããŸãð
KEY TAKEAWAYS
Behavioral economics is the study of psychology that analyzes the decisions people make and why irrational choses are chosen.
Behavior economics is influenced by bounded rationality, an architecture of choices, cognitive biases, and herd mentality.
Behavior economics is crafted around many principles including framing, heuristics, loss aversion, and the sunk-cost fallacy.
Companies use information from behavioral economics to price their goods, craft their commercials, and package their products.
Starbucks' limited season drinks, Amazon's Lightning Deals, or "buy one, get one" promotions are all tied to behavioral economics.
éèŠãªãã€ã³ãã¯ä»¥äžã®éãã§ãð
è¡åçµæžåŠã¯ã人ã
ãäžã決å®ãšãéåççãªéžæãéžã°ããçç±ãåæããå¿çåŠã®ç ç©¶ã§ã
è¡åçµæžåŠã¯ãéå®ãããåçæ§ãéžæã®æ§é ãèªç¥ãã€ã¢ã¹ã矀éå¿çã®åœ±é¿ãåããŸã
è¡åçµæžåŠã¯ããã¬ãŒãã³ã°ãå«ãå€ãã®ååã«åºã¥ããŠäœæãããŠããŸã
代衚çãªäŸã¯ããã¥ãŒãªã¹ãã£ãã¯ãæå€±åé¿ããµã³ã¯ã³ã¹ãã®èª€è¬¬ãªã©ã§ãããã
äŒæ¥ã¯ãååã®äŸ¡æ Œèšå®ãã³ããŒã·ã£ã«ã®äœæãããã³è£œåã®ããã±ãŒãžåã«è¡åçµæžåŠã®æ
å ±ã䜿çšããŸã
ã¹ã¿ãŒããã¯ã¹ã®å£ç¯éå®ããªã³ã¯ãAmazon ã®ã©ã€ããã³ã°ã»ãŒã«ããŸãã¯ã1ã€è²·ããš1ã€ããããã ãªã©ãšãã£ãããã¢ãŒã·ã§ã³ã¯ãã¹ãŠè¡åçµæžåŠã«çµã³ã€ããŠããããšããããã®ã§ãð
è¡åçµæžåŠãåŠã¶ããšãããŸããŸã楜ãã¿ã«ãªã£ãŠããã®ã§ã¯ãªãã§ããããïŒïŒð
æ¬æ¥ã®è§£èª¬ã¯ã以äžãšããŸãð
ä»åŸãæ§ã
ãªçµæžåŠçè«éãªãã³ã«
瀟äŒèª²é¡ã«å¯ŸããçµæžåŠçèŠç¹ã«åºã¥ã解説ãªã©
ææçŸ©ãªå
容ãçºä¿¡ã§ããããã«åªããŠãŸãããŸãã®ã§ãäœåå®ãããé¡ãããŸãð¥º
ä»é²ïŒç§ã®åè«ç ç©¶ããŒãã«ã€ããŠð
ç§ã¯ãçºæ¿ä»å
¥ã®å®èšŒåæããããŒãã«
åæ¥è«æãå·çããããšèããŠããŸãð
æ¥æ¬çµæžãèãããšãã«ãçºæ¿ã¬ãŒãã«ãã£ãŠ
貿æååŒãçµåžžåæ¯ãå€åããã
æ ªã蚌åžã嵿š©ãšãã£ãéèè³ç£ã®åççã
å€åããããšæ¥æ¬çµæžãšçºæ¿ã¬ãŒããšã¯
åã£ãŠãåããªãçžãããã®ã§ãð
ïŒåðŽã ãã«ïœ¥ïœ¥ïœ¥ïŒ
çµæžã·ã§ãã¯ã«ãã£ãŠ
çºæ¿ã¬ãŒããå€åãããš
ãã®åœ±é¿ã¯ç§ãã¡ã®ç掻ã«å€§ãã圱é¿ããŸã
ã ãããããçºæ¿ã¬ãŒãã®å®å®æ§ã
æ
ä¿ãããããªçºæ¿ä»å
¥ã¯ãã¯ãçµæžæ¿çã«
ãããŠãéåžžã«éèŠãªæçŸ©ãæã£ãŠãããš
æšæž¬ããŠããŸã
決ããŠåŠéšçãæ¥œããŠå·çã§ããç°¡åãªããŒããéžæããŠããããã§ã¯ç¡ããšä¿¡ããŠããŸã
ãã ããã®åæ¥è«æãããåãããšã
ç§ã®åŠççæŽ»ã®é倧æãšãªãããšã¯äºå®ãªã®ã§
æåŸãŸã§ã³ãã³ããšåãçµãã§åããŸãð¥
ãããããã¬ãžã³ã®ã玹ä»ð
ãã¡ãã«ïŒïŒåãšããŠã®ç§ã®å°±è·æŽ»åäœéšèšããŸãšãããã¬ãžã³ãã玹ä»ãããŠããã ããŸãð
æ§ã
ãªèгç¹ããå°±è·æŽ»åã«ã€ããŠèå¯ããŠããŸãã®ã§ããäžèªããã ããŸããšå¹žãã§ã
æ¹ããŠãå°±è·æŽ»åã¯
æ¬åœã«ããçžãã ãšæããŸããð
ã ããããããçžã倧åã«
ãããŠãéžãã éãæ£è§£ã«ã§ãããã
ãããããåªåããŠãããããªãšæããŸãð¥
ä»åŸãããã«ã³ã³ãã³ããæ¡å ã§ããããã«åªããŠåããŸãã®ã§ãäœåãããããé¡ãç³ãäžããŸãð
æåŸãŸã§ãæèªããã ãèª ã«æé£ãããããŸããïŒ
ãããŸã§ãç§ã®èŠè§£ãæã£ãããšã
ãŸãšããããŠããã ããŠãŸãã
ãã®ç¹ã«é¢ããŸããŠããäºæ¿ãã ããð
ãã®æçš¿ãã¿ãŠãã ãã£ãæ¹ã
ã»ãã®å°ããªäºã§ãåŠã³ããã£ãïŒ
èãæ¹ã®åŒãåºããå¢ããïŒ
èªæžããåŠã¹ãããšãå€ãïŒ
ãªã©ãªã©ããã©ã¹ã®åç©«ããã£ãã®ã§ããã°
倧å€å¬ããæããŸãããæçš¿äœæã®å¥å©ã«å°œããŸãïŒïŒ
ãæ°è»œã«ã³ã¡ã³ããããããã¹ããð
ãããŠããå·®ãæ¯ããªããã°
ãã©ããŒïŒã·ã§ã¢ããé¡ããããã§ãð
ä»åŸãšãäœåãããããé¡ãããããŸãïŒ