Psykologin bakom lånebeslut

Det finns flera faktorer som påverkar en lånehandläggares beslutsprocess, både individuella och organisatoriska. Vikten av korrekta bedömningar när efterfrågan på lån stiger kan förstås genom att studera de stora ekonomiska kriser som den globala ekonomin har drabbats av som en följd av felaktiga lånebeslut och dess konsekvenser för både banker och kunder.

Carl-Christian Trönnberg har studerat psykologin bakom lånebeslut och kommit fram till att metoderna för att fatta korrekta lånebeslut skilde sig åt mellan bankerna och en bank rapporterade betydligt lägre användning av intuitiva resonemang än de andra.

Dessutom konstaterades att andelen problemlån var högre hos banker som i större utsträckning baserade lånebeslut på så kallad mjuk information e.g. kundrelationer.

Looking smart?

Humans often judge other people’s personality based on superficial characteristics such as the shape of their face or their facial expression. There was even a time when some psychologists believed that personality could be predicted by measuring the human skull (phrenology). But of course this is nonsense. Or is it?

 

In a recent article in the journal PLoS ONE Karel Kleisner from Charles University in Prague, Czech Republic, and his colleagues found that humans perceive individuals with a long face, sharp chin, larger nose, broader distance between the eyes, and slightly upturned edges of the mouth as more intelligent than individuals with the opposite facial characteristics. Not much of a surprise here. That is what humans do. Make quick judgements of human characteristics based on the cues they have available. However, the surprising finding was that the perception was accurate to a certain degree: those who were perceived as more intelligent in fact were. But this was only the case for men. There was no relationship between perceived and measured intelligence in women. Moreover, extremely intelligent men were perceived as less intelligent. There is an outline of the study on the PsyBlog.

 

Interestingly enough the authors of the study seem to be more concerned about finding an explanation for why there is NO relationship between perceived intelligence in women than they are in finding one for why there IS such a relationship in men. Thus, further backing up of this study might be necessary. However, what might be of practical interest to our readers are some findings the authors report alongside their key findings. Smiling faces are perceived as more intelligent than angry faces and perceived intelligence is also associated to perceived trustworthiness. Thus, smiling will make you appear more intelligent and trustworthy to others!