摘要翻译：
许多公司，如银行和保险公司，将他们的服务水平以消费者感知的“质量”为条件，例如他们的信誉。越来越多的公司可以从行为的辅助数据中获得消费者细分，并可以将细分中的个人的结果联系起来进行预测。这种做法如何影响消费者作出（有社会价值的）努力的动机，例如偿还贷款？我们表明，一个已确定的联系对行为和福利的影响在很大程度上取决于联系的结构--即联系是反映质量（通过类型的相关性）还是反映共同的环境（通过对观察到的结果的共同冲击）。
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英文标题：
《Data and Incentives》
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作者：
Annie Liang and Erik Madsen
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最新提交年份：
2020
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分类信息：

一级分类：Economics        经济学
二级分类：Theoretical Economics        理论经济学
分类描述：Includes theoretical contributions to Contract Theory, Decision Theory, Game Theory, General Equilibrium, Growth, Learning and Evolution, Macroeconomics, Market and Mechanism Design, and Social Choice.
包括对契约理论、决策理论、博弈论、一般均衡、增长、学习与进化、宏观经济学、市场与机制设计、社会选择的理论贡献。
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一级分类：Computer Science        计算机科学
二级分类：Computer Science and Game Theory        计算机科学与博弈论
分类描述：Covers all theoretical and applied aspects at the intersection of computer science and game theory, including work in mechanism design, learning in games (which may overlap with Learning), foundations of agent modeling in games (which may overlap with Multiagent systems), coordination, specification and formal methods for non-cooperative computational environments. The area also deals with applications of game theory to areas such as electronic commerce.
涵盖计算机科学和博弈论交叉的所有理论和应用方面，包括机制设计的工作，游戏中的学习（可能与学习重叠），游戏中的agent建模的基础（可能与多agent系统重叠），非合作计算环境的协调、规范和形式化方法。该领域还涉及博弈论在电子商务等领域的应用。
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英文摘要：
  Many firms, such as banks and insurers, condition their level of service on a consumer's perceived "quality," for instance their creditworthiness. Increasingly, firms have access to consumer segmentations derived from auxiliary data on behavior, and can link outcomes across individuals in a segment for prediction. How does this practice affect consumer incentives to exert (socially-valuable) effort, e.g. to repay loans? We show that the impact of an identified linkage on behavior and welfare depends crucially on the structure of the linkage---namely, whether the linkage reflects quality (via correlations in types) or a shared circumstance (via common shocks to observed outcomes).
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PDF链接：
https://arxiv.org/pdf/2006.06543