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When irrelevant alternatives do matter. The effect of focusing on loan decisions

机译：当无关紧要的选择确实重要时。专注于贷款决策的影响

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摘要

In this paper, we investigate some implications of recent results about salience on loan decisions. Using the framework of focus-weighted utility we show that consumers might take out loans even when that yield them negative utility due to the focusing bias. We suggest, however, that this can be counterbalanced and consumers might be more prudent in their decisions and less likely to take out such loans when the usual fixed-installments plan is coupled with an equivalent decreasing-installments option. Moreover, we show that this is true even for loans with prepayment options or when borrowers take default into consideration. We argue that harmful loan consumption could be decreased if a policy would prescribe presentation of loan repayment schedules in a way that employs this effect.
机译：在本文中，我们调查了有关贷款决定显着性的最新结果的一些含义。使用聚焦加权效用框架，我们表明，即使由于聚焦偏差而使消费者产生负效用，消费者也可能会贷款。但是，我们建议这可以被抵消，并且当通常的固定分期付款计划与相等的分期付款分期付款方案结合使用时，消费者可能会更加谨慎地做出决定，并且不太可能获得此类贷款。此外，我们证明即使对于具有预付款选项的贷款或借款人考虑违约的情况，也是如此。我们认为，如果一项政策规定采用这种效果的方式规定偿还贷款时间表，则可以减少有害的贷款消费。

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