essay代写：经济学中的心理会计理论
这一理论与可替代货币的概念(Shefrin&Thaler，2004)进一步相关。作为一个人，我意识到我应该在日常开支、固定的定期支出和投资和储蓄的分配中以一种可替代的方式来对待金钱。我倾向于重视我挣的钱，但由于精神会计的应用，我最终得到了不合理的经济决策。
essay代写：经济学中的心理会计理论
尽管这一理论是建立在个人基础上的，但由于心理会计理论，大企业也会做出非理性的经济决策。正如在投资者的例子中所反映的那样，投资市场的经济稳定性受到了更大范围的负面影响，并可能导致经济混乱。
essay代写：经济学中的心理会计理论
The theory is further related to the concept of fungible money (Shefrin & Thaler, 2004). As an individual, I realize I should be treating money in a fungible manner during the allocation of daily expenses, fixed periodic spending and investments and savings. I tend to value the money I earn but due to the application of mental accounting, I end up with irrational economic decisions.
essay代写：经济学中的心理会计理论
Though the theory is based on individuals, large businesses also take irrational economic decisions due to the theory of mental accounting. As reflected in the example of investor, the economic stability of the investment market is adversely affected at a larger scale and it can result in economic disruptions.