Study On Information Processing Feature In Financial Decision Making Of Older Adults:Applying Ecological Paradigm

Aging society is coming, more and more older adults participate in the social life. Especially in the financial activities, they become a important role. Of course, the older has become the main goal to the businessman. But we can not avoid a problem is that the society existence a lot of fraud to older adults. They become the "source of cheat". So we are interested in older people is why become the goal to social group, whether they really gullible, and why they are easier to be deceived. This research mainly adopts the publicity material of the bank of the common non-bank financial products as experimental material. Comparing with older and young people in this kind of financial information processing, from a side to reveal the characteristic of information processing of older adults is leading them to a gullible potential.This involves four the experiment, Labl aim to detect weather there is difference for decision when the older audits and young people face the sanme messages, and weather the difference decision beacuase of their focus on defferent message. According to the results of lab1, Lab2、lab3 and lab4 further to speculate that the information processing exist some differences between the two age groups and they have their own characteristics of information processing. Labl detecting the difference in older man and young people in content of decision-making information processing.Choosing the promotion of the non-bank information in the bank as the questionnaire survey tools. Let older man and young people to decide whether to buy this product. And painting information which lead them to make such decision (buy, don’t buy). Lab2 using real time window reading technology to detect the older man and young people whether there are differences in detail information. Lab3 research weather the older man faced with a complex information will employ shortcut information pattern by using real time window reading technology.we mainly control the important information and the unimportant information which have different marked degree level (high and low). Lab4 using probe detection task paradigms and recognition test to sure the older man and young people to lock the attention on which the subsequent information of the decision. Another study through to description a product information with two framework, let the older man of to evaluation the product, and by using the method of the forced choose to choose one of the framework description of the products; Further investigate into whether they will make immediately or delay decisions. The old and young people in the information processing have the following characteristics:(1) The older and young people draw on financial products brochure information which make them decide is some difference. Older people making decisions focus on the information is usually in the text, marked degree is high, information description with positive framework.(2) The older compared to young people will more ignore the detail information, they first remember the first position information. Remember the error information presented on the first position with little remember correction of information following it.(3) Relative to the low degree of marked vocabulary the older adults remember more word with high degree of marked, but young people in two level degree of marked of memory no obvious difference.(4) The detection point presented on positive information framework, the reaction for older man faster than point on negative information framework. Young people are no significant differences. Compared to the information with negative framework description, the older people are given the information description with positive framework higher evaluation, and tend to choose immediately to buy it under the positive framework. The young people, in response, evaluation and decision of preference for time did not show significant differences.