Misaligned mindsets between borrowers and lenders of small interpersonal loans
通过六项实验发现，在小额朋友间借贷中，贷款人持共有心态不期待还款，而借款人持交换心态打算还款，这种心态错位导致还款预期不一致，解释了为何许多小额人际债务未被偿还。
In a series of six experiments, conducted in both field and laboratory settings, we demonstrate in the context of small interpersonal loans between friends, that individuals operate under different mindsets depending on their role in the loan (lender vs. borrower), which consequently leads to misaligned repayment expectations. Lenders, operating under a communal mindset, do not expect borrowers to repay small amounts that borrowers, operating under an exchange mindset, intend to repay. We show that the two-mindset hypothesis is both state- and trait-dependent and discuss how the observed repayment expectation gap may explain why many small interpersonal debts remain unpaid. We also discuss the contribution to social and economics literature, implications for interpersonal relationships, and directions for future research.