许多研究发现，参照点并不是固定不变的，而是随着时间、先前的决策结果等因素而发生偏移。

Many studies have found that the reference point is not fixed, it update through time as a function of outcomes of past decisions or other factors.

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本研究假设，冒险倾向是通过影响参照点的偏移而影响最终的决策行为的。

So, we suppose that risk propensity influence decision-making behavior through reference point adaptation.

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