{"id":3237,"date":"2020-09-02T11:34:08","date_gmt":"2020-09-02T03:34:08","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=3237"},"modified":"2024-03-05T10:46:45","modified_gmt":"2024-03-05T02:46:45","slug":"%e5%8f%8c%e6%9b%b2%e5%89%b2%e5%bc%95-%e9%8a%80%e8%a1%8c%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/jp\/%e5%88%86%e6%9e%90%e6%84%8f%e8%a6%8b\/%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6\/%e5%8f%8c%e6%9b%b2%e5%89%b2%e5%bc%95-%e9%8a%80%e8%a1%8c%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6\/","title":{"rendered":"\u53cc\u66f2\u5272\u5f15 | \u9280\u884c\u306b\u304a\u3051\u308b\u884c\u52d5\u79d1\u5b66"},"content":{"rendered":"<p>\u5065\u5eb7\u7684\u306a\u98df\u4e8b\u3084\u5c06\u6765\u306e\u305f\u3081\u306b\u8caf\u91d1\u3059\u308b\u8a08\u753b\u3092\u3001\u8cb7\u3044\u305f\u3044\u30b1\u30fc\u30ad\u3084\u65b0\u3057\u3044\u643a\u5e2f\u96fb\u8a71\u3092\u898b\u305f\u77ac\u9593\u306b\u5fd8\u308c\u3066\u3057\u307e\u3046\u3053\u3068\u306f\u3001\u8ab0\u306b\u3067\u3082\u3042\u308b\u3053\u3068\u3067\u3059\u3002\u306a\u305c\u79c1\u305f\u3061\u306f\u3001\u3059\u3050\u306b\u5f97\u3089\u308c\u308b\u5831\u916c\u306e\u305f\u3081\u306b\u5c06\u6765\u306e\u76ee\u6a19\u3092\u8efd\u8996\u3059\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u306a\u305c\u305d\u3046\u3059\u308b\u306e\u304b\u3092\u8aac\u660e\u3059\u308b\u305f\u3081\u306b\u3001\u884c\u52d5\u79d1\u5b66\u8005\u306f\u300c\u53cc\u66f2\u5272\u5f15\u300d\u3068\u3044\u3046\u9020\u8a9e\u3092\u751f\u307f\u51fa\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u00a0<\/p>\n<h2>\u53cc\u66f2\u5272\u5f15\u3068\u306f\u4f55\u3067\u3059\u304b?<\/h2>\n<p>\u300c\u53cc\u66f2\u5272\u5f15\u306f\u8a8d\u77e5\u30d0\u30a4\u30a2\u30b9\u3067\u3042\u308a\u3001\u4eba\u3005\u306f\u5f8c\u3067\u5f97\u3089\u308c\u308b\u5927\u304d\u306a\u5831\u916c\u3088\u308a\u3082\u3001\u3059\u3050\u306b\u5f97\u3089\u308c\u308b\u5c0f\u3055\u306a\u5831\u916c\u3092\u9078\u3076\u50be\u5411\u304c\u3042\u308a\u3001\u3053\u306e\u50be\u5411\u306f\u9045\u5ef6\u304c\u5c06\u6765\u3088\u308a\u3082\u73fe\u5728\u306b\u8fd1\u3044\u5834\u5408\u306b\u9855\u8457\u306b\u73fe\u308c\u308b\u3002\u300d<\/p>\n<p>\u53cc\u66f2\u5272\u5f15\u306f\u901a\u5e38\u3001\u4eba\u3005\u306b\u4eca $50 \u3092\u5f97\u308b\u304b\u6765\u5e74 $100 \u3092\u5f97\u308b\u304b\u5c0b\u306d\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u7814\u7a76\u3055\u308c\u307e\u3059\u3002\u7d50\u679c\u306f\u3001\u4eba\u3005\u306f\u5c06\u6765\u306e\u3088\u308a\u9ad8\u3044\u5831\u916c\u3092\u5f85\u3064\u3088\u308a\u3082\u3001\u4eca\u3088\u308a\u4f4e\u3044\u5831\u916c\u3092\u9078\u3076\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4eba\u3005\u306b\u6765\u5e74 $50 \u307e\u305f\u306f 5 \u5e74\u5f8c\u306e $100 \u304c\u63d0\u4f9b\u3055\u308c\u308b\u5834\u5408\u3001\u4eba\u3005\u306f\u5f8c\u8005\u3092\u9078\u629e\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u30011 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$100 \u3092\u6c17\u306b\u3057\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u73fe\u5728\u306e\u6b32\u6c42\u3092\u6e80\u305f\u3059\u3053\u3068\u306b\u71b1\u5fc3\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u4eba\u3005\u306f\u7dca\u6025\u306e\u30cb\u30fc\u30ba\u3092\u62b1\u3048\u3066\u3044\u308b<\/li>\n<\/ul>\n<p>\u72b6\u6cc1\u306b\u3088\u3063\u3066\u306f\u3001\u4eba\u3005\u306f\u5831\u916c\u3092\u4eca\u3059\u3050\u306b\u5fc5\u8981\u3068\u3057\u3066\u304a\u308a\u3001\u305d\u308c\u3092\u53d7\u3051\u53d6\u308b\u307e\u3067 1 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\u306b\u7279\u5b9a\u306e\u5c06\u6765\u306e\u884c\u52d5 (\u305f\u3068\u3048\u3070\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8caf\u84c4) \u3092\u7d04\u675f\u3059\u308b\u3068\u3001\u884c\u52d5\u306e\u52d5\u6a5f\u4ed8\u3051\u306b\u306a\u308a\u3001\u6c17\u304c\u6563\u308b\u3053\u3068\u3082\u6e1b\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u76ee\u6a19\u3092\u7ba1\u7406\u3057\u3084\u3059\u3044\u30b5\u30a4\u30ba\u306b\u5206\u5272\u3059\u308b<\/li>\n<\/ul>\n<p>\u9867\u5ba2\u306b\u76ee\u6a19\u3092\u7d30\u5206\u5316\u3059\u308b\u305f\u3081\u306e\u30c4\u30fc\u30eb\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002Moneythor 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\/>\u53cc\u66f2\u5272\u5f15\u304c\u3069\u306e\u3088\u3046\u306b\u3057\u3066\u9867\u5ba2\u304c\u5c06\u6765\u306b\u5411\u3051\u3066\u8ce2\u660e\u306a\u8ca1\u52d9\u4e0a\u306e\u6c7a\u5b9a\u3092\u4e0b\u3059\u3053\u3068\u3092\u59a8\u3052\u308b\u306e\u304b\u3092\u7406\u89e3\u3057\u3001\u53cc\u66f2\u5272\u5f15\u306b\u5bfe\u6297\u3059\u308b\u30c7\u30d0\u30a4\u30b9\u3084\u63a8\u5968\u4e8b\u9805\u3092\u5b9f\u88c5\u3059\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u306e\u8ca1\u52d9\u4e0a\u306e\u5e78\u798f\u5ea6\u304c\u5411\u4e0a\u3057\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0 \u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306e\u6210\u529f\u7387\u304c\u5411\u4e0a\u3057\u307e\u3059\u3002<\/p>\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1362250766\">\n\t\t<a class=\"\" href=\"#newsletter-subscription-blog\" >\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"299\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png\" class=\"attachment-large size-large\" alt=\"\u30de\u30cd\u30fc\u30bd\u30fc\u306e\u30cb\u30e5\u30fc\u30b9\u30ec\u30bf\u30fc\u3092\u8cfc\u8aad\u3059\u308b\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png 1024w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING-768x225.png 768w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\n<style>\n#image_1362250766 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>We have all been there, our plans to eat healthily or save for the future are forgotten the instant we see a piece of cake or new phone we want to buy. Why do we discount our future goals for instant rewards? To explain why we do this, behavioural scientists have coined the phrase hyperbolic discounting. \u00a0 What is hyperbolic discounting? \u201cHyperbolic discounting is a cognitive bias, where people choose smaller, immediate rewards rather than larger later rewards and this occurs more when the delay is closer to the present than the future.\u201d Hyperbolic discounting is usually studied by asking people if they would rather get $50 now or $100 [&#8230;]\n","protected":false},"author":4,"featured_media":3239,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[68,279],"tags":[],"class_list":["post-3237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavioural-science","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hyperbolic Discounting | Behavioural Science in Banking | Moneythor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.moneythor.com\/jp\/\u5206\u6790\u610f\u898b\/\u884c\u52d5\u79d1\u5b66\/\u53cc\u66f2\u5272\u5f15-\u9280\u884c\u306b\u304a\u3051\u308b\u884c\u52d5\u79d1\u5b66\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hyperbolic Discounting | Behavioural Science in Banking | Moneythor\" \/>\n<meta property=\"og:description\" content=\"We have all been there, our plans to eat healthily or save for the future are forgotten the instant we see a piece of cake or new phone we want to buy. 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