Kortizolün Nörofinansal Kodları

Yıl 2025, Cilt: 5 Sayı: 2, 76 - 99, 30.12.2025

Yusuf Polat

https://doi.org/10.71284/sjissr.2025521

https://izlik.org/JA29CT85LL

Öz

İnsanların biyolojik ve psikolojik olarak strese yanıt olarak ürettiği kortizolün etkileri bir stres hormonu şeklinde anılmasından öte bir olgudur. Kortizole ilişkin özellikler stres altındaki bireylerin finansal davranışlarını anlamada ve incelemede bilimsel bir araç olarak kullanılmasını mümkün kılar. Kortizolün ölçülebilir olması ve laboratuvar ortamında deneysel olarak manipüle edilebilmesi nörofinans alanında kayda değer bir imkân yaratmaktadır. Ayrıca kortizol düzeylerindeki varyasyonların karar verme mekanizmaları üzerindeki etkileri gerçekçi ve kapsamlı modeller geliştirilmesine olanak tanır. Böylece, stresin finansal davranışlar üzerindeki biyolojik temelleri daha iyi anlaşılabilir ve piyasa dinamiklerine ilişkin öngörüler güçlendirilir. Bu çalışmada da kortizolün, bireylerin ekonomik ve finansal karar verme süreçlerinde özellikle risk ve belirsizlik durumlarında nasıl rol oynadığı; ödül ve ceza öğrenme merkezli öğrenmede; bilişsel işlevler, motivasyon ve prososyal davranışlar üzerindeki etkileri ele alınmaktadır. Nitekim beynin bu süreçlerde kritik bir biyokimyasal modülatör olduğu; kararların hızını, kalitesini ve risk algısını etkileyerek, ekonomik ajanın davranışlarında dikkate değer değişikliklere yol açtığı vurgulanmaktadır.

Anahtar Kelimeler

Nörofinans , Kortizol , Kortikostereoid , Risk , Biliş

Neurofinancial Codes of Cortisol

https://izlik.org/JA29CT85LL

Öz

The effects of cortisol, produced by humans as a biological and psychological response to stress, go beyond being merely known as a stress hormone. The characteristics of cortisol enable its use as a scientific tool to understand and examine the financial behaviors of individuals under stress. The fact that cortisol can be measured and experimentally manipulated in laboratory settings creates a significant opportunity in the field of neurofinance. Additionally, variations in cortisol levels allow for the development of realistic and comprehensive models that explain their impact on decision-making mechanisms. Thus, the biological foundations of stress on financial behaviors can be better understood, and predictions regarding market dynamics can be strengthened. This study also addresses how cortisol plays a role in individuals’ economic and financial decision-making processes, especially under conditions of risk and uncertainty; its effects on reward- and punishment-based learning; cognitive functions, motivation, and prosocial behaviors. It is emphasized that the brain acts as a critical biochemical modulator in these processes, influencing the speed, quality, and risk perception of decisions, leading to notable changes in the behavior of economic agents.

Anahtar Kelimeler

Neurofinance , Cortisol , Corticosteroid , Risk , Cognition

Kaynakça

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