采用问卷法对个性心理因素中的人格、决策模式与非理性金融行为的关系进行了研究。研究结果表明：人格、决策模式对非理性金融行为有显著影响，不同人格类型、不同决策模式的个体的非理性金融行为差异显著。研究发现，人格、决策模式对各类非理性金融行为以及各类非理性金融行为总和的预测力皆达显著，并且对不同的非理性金融行为有不同预测力；理智型、即时型、依赖型的决策模式与感觉-直觉人格维度对非理性金融行为总和的预测力显著。

This paper aims to explore the effects of psychological factors of personality type and decision-making style on non-rational financial behavior. It is committed to disclose individual differences in non-rational financial behavior caused by individual differences in personality type and decision-making style. Personality type, decision-making style and non-rational financial behavior are measured by the method of questionnaire. Significant differences are found in this study that different non-rational financial behavior are with different personality types and decision-making styles. It is also found that personality type and decision-making style have significant prediction to different non-rational financial behavior and their whole. The rational style, the spontaneous style and the dependent style in decision-making style and the sensing-intuition dichotomy of personality are significantly predictive to the total non-rational financial behavior respectively.