有鑑於1979和1984年Kahneman和Tverskey對於展望理論的實驗，本研究欲探究人在面對獲利和損失的不同風險情況下之偏好和決策行為，以發放問卷，透過正面和反面情境的問答方式和多項人口統計變數，觀察台灣多數人是否也存在行為偏誤，而不同人口統計變數是否會影響各個問題的抉擇偏好。研究結果發現，台灣人在面臨獲利時亦有風險趨避的傾向，對於損失則也會趨向風險追求；大多數人常常會忽略較前些時間發生的事件，只考慮到較近的選擇，有短視的現象。而人口統計方面，在本研究所提及的偏誤中，特別針對35歲以下之年輕人，女性比男性有較高程度的偏誤；國中以下和高中、職的受測者比大專院校和研究所以上的受測者有較高程度的偏誤；學生和軍、公、教人員在面臨危機時較為保守；投資組合為中度和高度風險者，在面臨損失或危機的情況下，較未投資者和低度風險者更容易傾向風險追求。

In light of the experiments supporting “Prospect Theory” of Kahneman and Tverskey in 1979 and 1984 respectively, this study intends to figure out the preference while people gain or lose in different possibilities. Through the positive and negative questions, the study would find out if Taiwanese people also have behavioral bias, and if the demographic variables changes the choice of each questions. The study result turns out to be: (1) Taiwanese people tend to be risk aversion in profit situation, and have tendency of risk seeking under losses. (2) Most people ignore things happened earlier; that means people are shortsighted. Moreover, from the demographic variables, especially for people under 35, (1) Females have more extent of bias mentioned in this study than males. (2) People at primary and high School of education have more extent of bias than people at high education. (3) Students and government workers are more conservative than people in others occupation when facing a crisis. (4) People holing middle and high risk portfolio have higher tendency to be risk seekers than people who do not invest or hold low risk portfolio while encounter losses or crisis.

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