时间：2026年4月1日（周三） 13:30 - 15:00
地点：理科大楼A914会议室
题目：ATTENTION AND PERSONALIZATION IN PROMOTING RETIREMENT SAVINGS: EVIDENCE FROM TWO FIELD EXPERIMENTS
报告人：孟涓涓 北京大学光华管理学院教授
主持人：龚冰琳 经济与管理学院教授
内容简介：We collaborate with a bank to conduct two large-scale field experiments (N = 36,116) promoting China’s newly launched first-ever voluntary personal retirement savings plan through automated calls. We find that financial interventions highlighting tax benefits and compound interest outperform the industry-standard bonus by about 30% in improving call listening behavior. Behavioral nudges targeting time misperception, bequest motives, and procrastination also yield significant gains between 4%-8%. Investigating subsequent app browsing dynamic patterns uncovers novel evidence of an attention–memory–action process, triggered by time-sensitive cues such as tax deadlines and traditional holidays, highlighting the need to evaluate nudge effects beyond immediate responses. Algorithmically personalized scripts further increase listening by 6.2% and browsing by 17.4%, showcasing the value of personalized nudges. Our findings contribute to the literature on retirement savings, attention, and nudges by showing how scalable, low-cost, and personalized interventions can address the global challenge of low participation in voluntary retirement saving schemes.
报告人简介：
Juanjuan Meng is a Professor in the Department of Applied Economics at Guanghua School of Management, Peking University, and the Director of the Research Center for Behavioral Science and Policy Intervention at Peking University. She currently serves as an Associate Editor for Management Science and Executive Committee member of the Economic Science Association （ESA). Dr. Meng's current research interests include Behavior Economics, with recent focus on behavioral intervention and behavioral issues in digital economy. Her research has been published in American Economic Review, Management Science, Review of Financial Studies, Economic Journal, Review of Economics and Statistics, Journal of Public Economics, International Economic Review, Journal of Development Economics, Games and Economic Behavior, Journal of Economic Behavior and Organization. Juanjuan Meng has received financial support from the National Natural Science Foundation of China for Major Program, National Science Fund for Distinguished Young Scholars as well as Excellent Young Scholars.