CAJ | 학술논문

不同来源的财富因其在人们心理的权重差异会导致对其消费态度与方式的不同。前人运用一系列行为实验已发现意外所得更容易消费、辛苦所得则不容易消费。基于心理账户和内隐社会认知等理论，运用IAT和ERP考察财富的意外所得与辛苦所得在人们心理引起的内在消费偏差，进而对内隐消费态度和脑加工机制进行间接检测。IAT研究结果表明，意外所得与容易消费的联结更加紧密，辛苦所得与不易消费的联结更加紧密，从内隐层面验证了前人的行为研究结论；ERP研究结果发现辛苦所得与意外所得这两个不同收入来源可能建立了不同脑加工机制，且在P3和LPC成分得到反映，P3成分可能是反映辛苦所得组偏好难消费型消费方式的ERP成分，LPC反映了意外所得收入条件下个体偏好易消费型消费方式的特点。
불동래원적재부인기재인문심리적권중차이회도치대기소비태도여방식적불동。전인운용일계렬행위실험이발현의외소득경용역소비、신고소득칙불용역소비。기우심리장호화내은사회인지등이론，운용IAT화ERP고찰재부적의외소득여신고소득재인문심리인기적내재소비편차，진이대내은소비태도화뇌가공궤제진행간접검측。IAT연구결과표명，의외소득여용역소비적련결경가긴밀，신고소득여불역소비적련결경가긴밀，종내은층면험증료전인적행위연구결론；ERP연구결과발현신고소득여의외소득저량개불동수입래원가능건립료불동뇌가공궤제，차재P3화LPC성분득도반영，P3성분가능시반영신고소득조편호난소비형소비방식적ERP성분，LPC반영료의외소득수입조건하개체편호역소비형소비방식적특점。
Because of their different weight in people＇s mind, various sources of wealth can lead to diverse attitudes and ways of consumption. By carrying out a series of experiments, predecessors have found out that windfall gains are spent more readily than hard-earned money. Base on the theory of implicit social cognition and mental account, use the implicit association test （IAT） and ERP technology to explore the difference made on people＇s mind by windfall gains and hard-earned gains, thus give an indirect test for its implicit attitudes and brain processing mechanism. The IAT result shows that windfall gains is more closely connected with easy consumption, while hard-earned money is more closely connected with the difficult consumption, which verifies the predecessors＇ conclusion in the implicit level; The ERP technology also found hard-earned money and windfall gains may base on different brain processing mechanism, and reflected in P3 and LPC composition, P3 could be the direct ERP＇ components which reflects the hard-income group＇s preference to consumer consumption patterns, while LPC components reflects people＇s preference to consumption under an accidental income condition.