Financial decision-making is governed by cognitive and emotional processes. However, it is possible to learn how to manage both before making a decision based on experience. Electroencephalography might provide some insight into what is behind these choices by analyzing the slow negativity preceding a risky decision, known as the decision preceding negativity (DPN). The DPN is involved in cognitive processes associated with the elaboration of the planned response as well as the anticipation of the affective motivational stimuli. Using monetary gamble under risk (outcome probabilities are known) and ambiguity (outcome probabilities are unknown), we studied the DPN in a group of investment bankers, to see if individual financial experience influences anticipatory potentials that precede choices. Our results showed that investment bankers are able to shorten their anticipatory decision-making process by having a DPN closer to motor response. As this occurs, the prefrontal and orbitofrontal brain areas under risk were activated due to the role that emotions play in financial decision-making. On the other hand, under the ambiguity condition, activation of the prefrontal areas was caused by cognitive regulation of emotion. Our conclusion is that financial experience also influences risky choices by shortening the decision-making process while balancing cognitive and emotional processes, which depend on the amount of missing information.

中文翻译：

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风险和歧义下投资银行经验对决策的神经影响。

财务决策受认知和情感过程的支配。但是，在根据经验做出决定之前，可以学习如何管理两者。脑电图可能会通过分析风险决定之前的缓慢消极性（称为消极性决定前的决定 (DPN)）来深入了解这些选择背后的原因。DPN 参与与制定计划反应以及对情感动机刺激的预期相关的认知过程。使用风险下的货币赌博（结果概率已知）和模糊性（结果概率未知），我们研究了一组投资银行家的 DPN，看看个人金融经验是否会影响做出选择之前的预期潜力。我们的结果表明，投资银行家能够通过让 DPN 更接近运动反应来缩短他们的预期决策过程。发生这种情况时，由于情绪在财务决策中所起的作用，处于风险中的前额叶和眶额叶大脑区域被激活。另一方面，在歧义条件下，前额叶区域的激活是由情绪的认知调节引起的。我们的结论是，财务经验还通过缩短决策过程同时平衡依赖于缺失信息量的认知和情感过程来影响风险选择。由于情绪在财务决策中的作用，处于风险中的前额叶和眶额叶脑区被激活。另一方面，在歧义条件下，前额叶区域的激活是由情绪的认知调节引起的。我们的结论是，财务经验还通过缩短决策过程同时平衡依赖于缺失信息量的认知和情感过程来影响风险选择。由于情绪在财务决策中的作用，处于风险中的前额叶和眶额叶脑区被激活。另一方面，在歧义条件下，前额叶区域的激活是由情绪的认知调节引起的。我们的结论是，财务经验还通过缩短决策过程同时平衡依赖于缺失信息量的认知和情感过程来影响风险选择。