Human decision making is closely related to reward processing because many decisions rely to a certain degree on the evaluation of different outcome values. Reward-based decisions can be health-related, for example if someone has to compare the outcome value of the instant reward of smoking a cigarette to that of the long term goal of keeping well and fit. Such comparisons do not only rely on the nominal value of the alternatives but also on devaluation of rewards over time. The value of being healthy at older age might outweigh the value of smoking a cigarette but since the payoff of the health-outcome will be delayed, humans tend to decrease the value of this option. Therefore in this example one might choose the immediate reward of smoking a cigarette. The proclivity to devaluate the value of rewards over time has been widely investigated with experimental intertemporal choice tasks, in which subjects have to choose between smaller sooner rewards and larger later rewards. A stronger individual devaluation proclivity (i.e. discounting rate) has been reported to be related to addiction. Research in neuroeconomics has suggested the competing neurobehavioural decision systems (CNDS) theory, proposing that an imbalance between an executive (cortical prefrontal brain areas) and an impulsive (i.e. subcortical areas, such as ventral striatum (VS), amygdala) system in the brain leads to steeper discounting and a higher risk for addiction. Additionally, temporal discounting has been proposed as a transdisease process, i.e., “a process that occurs across a range of disorders, making findings from one disorder relevant to other disorders” (Bickel, Jarmolowicz, Mueller, Koffarnus, & Gatchalian, 2012, Abstract). Thus, the CNDS theory and temporal discounting might also have implications for other health-related behaviour than substance use. So far many factors have been shown to be associated with higher discount rates: for instance, adolescent age, lower intelligence and nicotine dependence. Further, it has been shown that adolescents are at highest risk to start smoking. On the other hand a higher education level has been shown to be associated to lower rates of smoking. Thus, it seems likely that a higher discount rate might be one reason why adolescents experiment with smoking, why lower education is associated to nicotine addiction and why dependent smokers are not successful in smoking cessation. But relatively little is known about the neural processes behind these variables, which could be also seen as exemplary risk- and protective factors regarding addiction. The 3 studies of the thesis at hand were conducted to extend the knowledge about neural processes associated to age, intelligence and smoking in their relation to intertemporal choice. The task was chosen because of its relevance for addiction and a variety of health-related behaviour. The first study was conducted to explore the neural correlates of age related differences between adolescents at age 14 and young adults during intertemporal choices. Additionally, the roles of discounting and choice consistency were investigated. Although adoles-cents discounted delayed rewards more steeply than adults, neural processing of reward value did not differ between groups, when controlling reward values for the individual discount rates. However, a higher discount rate was related to a lower responsivity in the ventral striatum to delayed rewards, independent of age. Concerning decision making, adolescents exhib-ited a lower consistency of choices and less brain activity in a parietal network than adults (i.e. posterior and inferior parietal regions). Thus, reward value processing might be more sensitive to the discount rate than to chronological age. Lower consistency of intertemporal choices might indicate ongoing maturation of parietal brain areas from adolescence to young adulthood. The second study was conducted to reveal the associations between neural processes of decision making and intelligence in adolescents. The results of study 2 revealed networks in the adolescent brain where brain activity was related to crystallised intelligence as well as to intertemporal choice behaviour. Specifically, during decision processing higher crystallised intelligence as well as more consistent decisions were associated with higher brain activity in the posterior parietal cortex. Processing of delayed rewards was also related to crystallised intelligence, i.e. more intelligent adolescents showed higher brain activation in the anterior cingulate cortex (ACC) and the inferior frontal gyrus (IFG), which was in turn related to a lower discount rate. Additionally, associations between the parental education level and crys-tallised intelligence of the adolescent participants of the study and their discount rate were found, indicating that parental education as an environmental factor could be related to a low-er risk for addiction. This protective effect might be mediated by the offspring’s crystallised intelligence and discount rate which are both related to brain activity in parts of the same brain networks (i.e. the IFG). The third study was done to investigate neural processes of intertemporal decisions in smokers and non-smokers. To test whether the effects of smoking on the discount rate are due to chronic or acute nicotine intake, non-smokers were additionally assessed under acute nico-tine administration. Study 3 revealed that the effects of nicotine on intertemporal choice behaviour were related to chronic intake of nicotine in smokers rather than to acute nicotine ad-ministration in non-smokers. Regarding the neural processes, smokers compared to non-smokers showed lower brain activity in the posterior parietal cortex. Comparable but weaker effects were found under acute nicotine in non-smokers. Although acute nicotine administra-tion altered neural processes, behavioural changes might only occur after repeated nicotine intake. However, the study did not preclude that the differences are predrug characteristics. Altogether the studies revealed overlapping neural correlates of intertemporal choices which are related to the individual age, the discount rate, the choice consistency, the individual intelligence as well as acute and chronic nicotine intake. This might provide an integrative view on how inter-individual differences and behaviour during intertemporal choices are based on common neural correlates which in turn might have implications for the development and the maintenance of addiction. Specifically, hyposensitivity towards delayed rewards in the adolescent ventral striatum, which has also been found in smokers compared to non-smokers, is associated with higher discount rates and higher risk for smoking initiation. In contrast, higher activation in the IFG and the ACC in more intelligent individuals during reward value processing might enhance behavioural inhibition and control and, hence, might prevent nicotine addiction. In line with the CNDS theory responsivity in subcortical brain areas (i.e. impulsive system), such as the VS was related to the risk factor of adolescent age, whereas activity in cortical areas (IFG and ACC) was related to the protective factors of high-er crystallised intelligence. Since there was only one study beside the studies of the current thesis reporting results regarding consistency, one can only speculate about implications for health-related behaviour, such as addiction. Consistency might play a role, especially for cessation success. Thus, the findings that adolescents as well as less intelligent individuals were less consistent might point to a higher risk for maintenance of nicotine addiction. The higher brain activity in a fronto-parietal network, which has been shown in studies 1 and 2 in adults as well as in more intelligent adolescents, was related to higher consistency of choices in both studies. Thus, the finding might be a possible neural correlate for the association between the risk factor of ado-lescent age, the protective factor of higher crystallised intelligence, and more consistent deci-sion making. In conclusion the findings of the current thesis contribute to a better understanding of how inter-individual differences and environmental factors might be accompanied by neural processes which in turn might be related to individual development of addiction. Further the results might extend the CNDS theory regarding neural correlates of exemplary risk and pro-tective factors regarding adolescents’ health behaviour and smoking in adults.

Human decision making is closely related to reward processing because many decisions rely to a certain degree on the evaluation of different outcome values. Reward-based decisions can be health-related, for example if someone has to compare the outcome value of the instant reward of smoking a cigarette to that of the long term goal of keeping well and fit. Such comparisons do not only rely on the nominal value of the alternatives but also on devaluation of rewards over time. The value of being healthy at older age might outweigh the value of smoking a cigarette but since the payoff of the health-outcome will be delayed, humans tend to decrease the value of this option. Therefore in this example one might choose the immediate reward of smoking a cigarette. The proclivity to devaluate the value of rewards over time has been widely investigated with experimental intertemporal choice tasks, in which subjects have to choose between smaller sooner rewards and larger later rewards. A stronger individual devaluation proclivity (i.e. discounting rate) has been reported to be related to addiction. Research in neuroeconomics has suggested the competing neurobehavioural decision systems (CNDS) theory, proposing that an imbalance between an executive (cortical prefrontal brain areas) and an impulsive (i.e. subcortical areas, such as ventral striatum (VS), amygdala) system in the brain leads to steeper discounting and a higher risk for addiction. Additionally, temporal discounting has been proposed as a transdisease process, i.e., “a process that occurs across a range of disorders, making findings from one disorder relevant to other disorders” (Bickel, Jarmolowicz, Mueller, Koffarnus, & Gatchalian, 2012, Abstract). Thus, the CNDS theory and temporal discounting might also have implications for other health-related behaviour than substance use. So far many factors have been shown to be associated with higher discount rates: for instance, adolescent age, lower intelligence and nicotine dependence. Further, it has been shown that adolescents are at highest risk to start smoking. On the other hand a higher education level has been shown to be associated to lower rates of smoking. Thus, it seems likely that a higher discount rate might be one reason why adolescents experiment with smoking, why lower education is associated to nicotine addiction and why dependent smokers are not successful in smoking cessation. But relatively little is known about the neural processes behind these variables, which could be also seen as exemplary risk- and protective factors regarding addiction. The 3 studies of the thesis at hand were conducted to extend the knowledge about neural processes associated to age, intelligence and smoking in their relation to intertemporal choice. The task was chosen because of its relevance for addiction and a variety of health-related behaviour. The first study was conducted to explore the neural correlates of age related differences between adolescents at age 14 and young adults during intertemporal choices. Additionally, the roles of discounting and choice consistency were investigated. Although adoles-cents discounted delayed rewards more steeply than adults, neural processing of reward value did not differ between groups, when controlling reward values for the individual discount rates. However, a higher discount rate was related to a lower responsivity in the ventral striatum to delayed rewards, independent of age. Concerning decision making, adolescents exhib-ited a lower consistency of choices and less brain activity in a parietal network than adults (i.e. posterior and inferior parietal regions). Thus, reward value processing might be more sensitive to the discount rate than to chronological age. Lower consistency of intertemporal choices might indicate ongoing maturation of parietal brain areas from adolescence to young adulthood. The second study was conducted to reveal the associations between neural processes of decision making and intelligence in adolescents. The results of study 2 revealed networks in the adolescent brain where brain activity was related to crystallised intelligence as well as to intertemporal choice behaviour. Specifically, during decision processing higher crystallised intelligence as well as more consistent decisions were associated with higher brain activity in the posterior parietal cortex. Processing of delayed rewards was also related to crystallised intelligence, i.e. more intelligent adolescents showed higher brain activation in the anterior cingulate cortex (ACC) and the inferior frontal gyrus (IFG), which was in turn related to a lower discount rate. Additionally, associations between the parental education level and crys-tallised intelligence of the adolescent participants of the study and their discount rate were found, indicating that parental education as an environmental factor could be related to a low-er risk for addiction. This protective effect might be mediated by the offspring’s crystallised intelligence and discount rate which are both related to brain activity in parts of the same brain networks (i.e. the IFG). The third study was done to investigate neural processes of intertemporal decisions in smokers and non-smokers. To test whether the effects of smoking on the discount rate are due to chronic or acute nicotine intake, non-smokers were additionally assessed under acute nico-tine administration. Study 3 revealed that the effects of nicotine on intertemporal choice behaviour were related to chronic intake of nicotine in smokers rather than to acute nicotine ad-ministration in non-smokers. Regarding the neural processes, smokers compared to non-smokers showed lower brain activity in the posterior parietal cortex. Comparable but weaker effects were found under acute nicotine in non-smokers. Although acute nicotine administra-tion altered neural processes, behavioural changes might only occur after repeated nicotine intake. However, the study did not preclude that the differences are predrug characteristics. Altogether the studies revealed overlapping neural correlates of intertemporal choices which are related to the individual age, the discount rate, the choice consistency, the individual intelligence as well as acute and chronic nicotine intake. This might provide an integrative view on how inter-individual differences and behaviour during intertemporal choices are based on common neural correlates which in turn might have implications for the development and the maintenance of addiction. Specifically, hyposensitivity towards delayed rewards in the adolescent ventral striatum, which has also been found in smokers compared to non-smokers, is associated with higher discount rates and higher risk for smoking initiation. In contrast, higher activation in the IFG and the ACC in more intelligent individuals during reward value processing might enhance behavioural inhibition and control and, hence, might prevent nicotine addiction. In line with the CNDS theory responsivity in subcortical brain areas (i.e. impulsive system), such as the VS was related to the risk factor of adolescent age, whereas activity in cortical areas (IFG and ACC) was related to the protective factors of high-er crystallised intelligence. Since there was only one study beside the studies of the current thesis reporting results regarding consistency, one can only speculate about implications for health-related behaviour, such as addiction. Consistency might play a role, especially for cessation success. Thus, the findings that adolescents as well as less intelligent individuals were less consistent might point to a higher risk for maintenance of nicotine addiction. The higher brain activity in a fronto-parietal network, which has been shown in studies 1 and 2 in adults as well as in more intelligent adolescents, was related to higher consistency of choices in both studies. Thus, the finding might be a possible neural correlate for the association between the risk factor of ado-lescent age, the protective factor of higher crystallised intelligence, and more consistent deci-sion making. In conclusion the findings of the current thesis contribute to a better understanding of how inter-individual differences and environmental factors might be accompanied by neural processes which in turn might be related to individual development of addiction. Further the results might extend the CNDS theory regarding neural correlates of exemplary risk and pro-tective factors regarding adolescents’ health behaviour and smoking in adults.

Background: Serotonin has been implicated in impulsive behaviours such as temporal discounting. While animal studies and theoretical approaches suggest that reduced tonic serotonin levels increase temporal discounting rates and vice versa, evidence from human studies is scarce and inconclusive. Furthermore, an important modulator of serotonin signalling, a genetic variation in the promoter region of the serotonin transporter gene (5-HTTLPR), has not been investigated for temporal discounting so far. Objective: First, the purpose of this study was to test for a significant association between 5-HTTLPR and temporal discounting. Second, we wished to investigate the effect of high/low tonic serotonin levels on intertemporal choice and blood oxygen-level-dependent response, controlling for 5-HTTLPR. Methods: We tested the association of 5-HTTLPR with temporal discounting rates using an intertemporal choice task in 611 individuals. We then manipulated tonic serotonin levels with acute tryptophan interventions (depletion, loading, balanced) in a subsample of 45 short (S)-allele and 45 long (L)/L-allele carriers in a randomised double-blind crossover design using functional magnetic resonance imaging and an intertemporal choice task. Results: Overall, we did not find any effect of serotonin and 5-HTTLPR on temporal discounting rates or the brain networks associated with valuation and cognitive control. Conclusion: Our findings indicate that serotonin may not be directly involved in choices including delays on longer timescales such as days, weeks or months. We speculate that serotonin plays a stronger role in dynamic intertemporal choice tasks where the delays are on a timescale of seconds and hence are therefore directly experienced during the experiment.

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本研究共包含三篇論文，首先修正von Hagen and Hepp(2000)所建立模型分析政府的財源轉移之風險分散與重分配動態效果。整體而言，補助與協助收入或統籌分配款所產生的所得與稅收風險分散或重分配效果相當有限，且各分區(北、中、南與全區)的結論差異甚大，顯示財源轉移發揮的效率不足。統籌分配款對於改善稅收的風險分散與重分配上，效果優於補助與協助收入。各縣市取得的補助與協助收入或統籌分配款高於長期所得與稅收風險分散與重分配所應對應的額度，造成資源浪費。就全區而言，前幾期稅收(所得)風險分散變化，可作為短期調整補助與協助收入(統籌分配款)的依據；統籌分配款與稅收的風險分散、補助與協助收入或統籌分配款與稅收重分配均存在雙向因果關係。 其次，在分析勞動者的休閒時間選擇時，本文修正跨期選擇模型，考慮勞動者持有投資組合與採取避險措施，並面對租稅問題下，以導出休閒時間方程式。實證上採用混合估計法針對12種樣本產業及兩種不同休閒時間衡量方式進行估計，結果顯示不同休閒時間衡量方式，影響估計結果甚鉅；金融市場的變化與波動攸關休閒時間變動：國內外利率、匯率與遠期匯率等與投資組合報酬相關的變數，在多數情況下顯著地影響休閒時間變動，且各變數對於休閒時間的影響程度，在工業中的次級產業大於服務業中的次產業。此外，採行周休二日制度確實改變制度採行前後的休閒時間，惟在三個工業次產業上則不明顯。 最後，修正Bo and Sterken (2002) 所建立的最適動態模型，分析公司價值不確定與租稅措施對海運廠商投資的影響，經由最大化公司價值導出影響台灣海運公司投資的三種不確定來源與避險措施，並進行實證估計。實證結果顯示，不確定的衡量方式攸關投資函數的估計結果，以指數加權移動平均標準差衡量不確定時，其估計結果優於以GARCH(1,1)衡量不確定，隱含廠商較在乎可預期波動對投資的影響。一般而言，廠商利率與原油價格的波動增加，均不利於公司投資，其中以原油價格不確定對於投資的影響最大，其效果約略與廠商利率相當。其次，影響海運公司投資最重要的三項因素均分別為BDI、負債與廠商利率，顯示價格與債務規模的重要性更甚於利率。此外，三種公司價值不確定來源對投資的影響，在多數個別公司之間並無顯著的差異，有助於採行總體財金政策以刺激投資。 / This dissertation contains three articles. First I revise the models set up by von Hagen and Hepp (2000) to analyze the dynamic effects of the Aid and Assistance and central government’s Tax Redistribution Fund on income (or tax) risk sharing and redistribution. For all the counties in Taiwan area the effects are tiny, but those are diverse among the counties in each Taiwan sub-area. The Aid and Assistance and central government’s Tax Redistribution Fund actually obtained by each county are larger than the amounts required to maintain long-term risk sharing and redistribution effects. These all imply that fiscal transfer is inefficiency. The effects of the central government’s Tax Redistribution Fund on risk sharing and redistribution are larger than those of Aid and Assistance. The central government can adjust the Aid and Assistance based on the change of earlier-period ax (income) risk sharing effect. Moreover, the existence of significant short-run interaction between the central government’s Tax Redistribution Fund and tax risk sharing, the Aid and Assistance and tax redistribution. Secondly, I revise intertemporal choice model by considering portfolio selection, hedging and taxation problems to derive economic agent’s leisure time equation. In empirical study, we focus on twelve sample industries and two different leisure time measurements, then adopt pooled estimation to estimate leisure time equation. Empirical results show that different measurement of leisure time influences estimation outcomes tremendously. Furthermore, the financial variables affecting portfolio return, including domestic and foreign interest rates, exchange rate and forward rate almost have remarkable effect on leisure time. Finally, the effect of each explanatory variable on leisure time is larger in industry than in service industry. Finally, I revise the optimal intertemporal model, constructed by Bo and Sterken (2002), by maximizing corporate value to derive three uncertainty sources and hedging influencing shipping-firm investment. Empirical evidences show that it is relevant for the estimation results to adopt which methods to measure the uncertainty. The outcomes derived from taking the Exponential Weighted Moving Average model to measure uncertainty are better than those from adopting the GARCH(1,1) model. Generally, as the volatilities in firm’s interest rate and crude oil price increase, firm investment decreases and the effect of crude oil price uncertainty on investment, the largest among the four effects, is nearly equal to that of firm interest rate on investment. Furthermore, BDI, debt and firm interest rate are the most important variables influencing firm investment. Finally, the effects of three uncertainty sources on investment are almost indifferent among the ten shipping-firms.

Made available in DSpace on 2016-04-26T20:48:47Z (GMT). No. of bitstreams: 1 Leonardo R Calixto.pdf: 2801225 bytes, checksum: 3ac98704c0abcbd1b0e4cc249c1a52ed (MD5) Previous issue date: 2007-05-04 / The total balance and volume of new concessions; personal loans, and consumer finance comes have been experiencing growth in a consistent form since 2000. It s been several years since we ve seen this kind of movement in Brazil. The objective of this work is to try to understand and search for probable explanations for this behavior. The different kinds of credit analyzed were the credit card, the personal loan, the guaranteed check and the direct credit to the consumer. The work analyzed some possible reasons for restricting credit, such as uncertainty in regards to the macroeconomic scenario, restrictive monetary policies, more risk of insolvency, among others. It was verified that the banks actively manage the two sides of the balance sheet, that is, the assets and the liabilities. The work also shows that, most likely the credit increase was due to the need the financial institutions had in increasing their profitability in a low inflationary environment. In other words, the banks felt they needed to take on more risk in regards to the allocation of their asset in order to obtain a higher yield. This way the banks chose to increase the credit supply for their individual customers, that is, in a spread out form, in order to mitigate a possible loss. In this analysis a reference was made to the Post-Keynesian Banking Firm Theory. This paper also tries to evaluate the customer s motives for increasing their credit demand. It is presumed that ahead of a suitable scenario with stability in the price indexes, the consumers can better plan their consumption. And, in this context, it makes it possible for people to increase their consumption and therefore the need for more credit, for example, of durable goods by through long term financing. The theories of limited rationality and periodical choice have been used as reference in order to explain the increase of demand. Considering a predetermined volume in regards to the offer of credit, this paper attempts to show that the level of interest rates significantly explains part of the growth in demand. All in all, this paper proofs that the credit that grows the most and that explains the accented growth is the consigned credit, which customarily uses the most attractive interest rates / O saldo total, e volume em novas concessões, de empréstimos e financiamentos para pessoas físicas vem experimentando um crescimento de forma consistente desde 2000. Há muitos anos não se via um movimento destes no Brasil. O objetivo deste trabalho é entender e buscar explicações prováveis para este comportamento. As modalidades de crédito analisadas foram o cartão de crédito, o empréstimo pessoal, o cheque especial e o crédito direto ao consumidor. O trabalho analisou algumas possíveis motivações que os bancos possuem para racionar crédito, como incerteza em relação ao cenário macroeconômico, política monetária restritiva, maior risco de inadimplência do potencial tomador, entre outras. Verificou-se que os bancos administram de forma ativa os dois lados do balanço, o ativo e o passivo. O trabalho mostra que, muito provavelmente, o aumento de crédito foi devido à necessidade das instituições financeiras em aumentar a sua lucratividade em um cenário de baixa inflação. Ou seja, os bancos precisaram assumir mais risco na alocação do seu ativo buscando uma maior rentabilidade. Desta forma, os bancos optaram em aumentar a oferta de crédito para as pessoas físicas, isto é, de forma pulverizada, objetivando mitigar o risco de perda. Nesta análise foi utilizado como referencial a Teoria da Firma Bancária pós-keynesiana. O trabalho, também, avalia as motivações dos consumidores para aumentar sua demanda por mais crédito. Presume-se que diante de um cenário com estabilidade nos índices de preços, os consumidores conseguem planejar melhor seu consumo. E, neste contexto, o crédito possibilita as pessoas aumentar seu consumo, por exemplo, de bens duráveis por meio de financiamento de longo prazo. As teorias da racionalidade limitada e da escolha intertemporal foram utilizadas como referencial para buscar uma explicação neste aumento da demanda. Considerando um determinado volume na oferta de crédito o trabalho conclui que é muito provável que o valor da taxa de juros explique parcela significativa do crescimento da demanda. O trabalho mostra que o crédito que mais cresce e explica o acentuado crescimento é o crédito consignado, que costuma praticar taxas de juros mais atrativas

Delay Discounting im Sinne eines Abwertens zukünftiger Belohnungen ist ein weit verbreitetes Phänomen. Es zeigt sich z. B. in persönlichen Angelegenheiten, wie der Entscheidung für den kurzfristigen Genuss von Süßigkeiten und gegen die langfristigen, durchaus größeren Vorteile einer schlanken Figur. Auch internationale wirtschaftliche und politische Diskussionen zum Klimaschutz oder der Finanzkrise werden von der Präferenz für sofortige, kleinere Belohnungen über verzögerte, größere Belohnungen getrieben. In der Psychologie wird Delay Discounting als Maß für Impulsivität bzw. Selbstkontrolle mit dem Auftreten von Aufmerksamkeitsdefizit-Hyperaktivitäts-Syndromen und von Abhängigkeitserkrankungen in Verbindung gebracht. Bezüglich der neuronalen Grundlagen von Delay Discouting ist mithilfe von sogenannten Intertemporal Choice Tasks bereits herausgefunden worden, dass die Entscheidung für eine sofortige Belohnung stärkere neuronale Aktivierung in belohnungsspezifischen Gehirnregionen evoziert als die Entscheidung für eine verzögerte Belohnung. Außerdem wurden sowohl theoretisch wie auch empirisch ein impulsives und ein reflektives System als Grundlage des Delay Discounting beschrieben, deren Existenz jedoch von manchen Wissenschaftlern angezweifelt wird. Ebenso wird angezweifelt, ob Delay Discounting unabhängig vom Einsatz von Intertemporal Choice Tasks und der damit verbundenen Entscheidung zwischen zwei Alternativen überhaupt besteht. Da die neuronalen Grundlagen des Delay Discounting und des impulsiven und reflektiven Systems bisher nicht unabhängig von einer Entscheidungsaufgabe erfasst wurden, konnten diese Zweifel nicht ausgeräumt werden. Ebenso ist zurzeit unbekannt, ob sich die neuronalen Korrelate des Delay Discounting bei Personen mit unterschiedlichen Persönlichkeitseigenschaften, bei Männern und Frauen, bei Rauchern und Nichtrauchern und in Abhängigkeit von verschiedenen Genvarianten unterscheiden. Um diese Lücke zu schließen, ist im Rahmen der vorliegenden Arbeit ein neuartiges Delay Discounting Paradigma zum Einsatz im Magnetresonanztomographen entwickelt worden. Dieses Paradigma ähnelt einem Monetary Incentive Delay Task und ermöglicht es, neuronale Aktivierung bei der Antizipation und bei dem Erhalt einer einzelnen Belohnung zu einem Zeitpunkt zu erfassen. Außerdem kann nach der Antizipation einer Belohnung, die sich durch eine bestimmte Höhe (0,05 €, 0,50 €, 1,00 €) und eine bestimmte Auszahlungsverzögerung (0 Tage, 10 Tage, 100 Tage) auszeichnet, in einer einfachen visuellen Diskriminationsaufgabe eine Reaktionszeit erfasst werden, die als behaviorales Maß für die inzentive Motivation fungiert. Zusammen mit einer Erfassung verschiedener Persönlichkeitseigenschaften und einer Genotypisierung für den COMT Val 158 Met Polymorphismus, den DRD2 Taq 1 A Polymorphismus und den DAT 1 Polymorphismus ist das Delay Discounting Paradigma an insgesamt 90 Probanden im Magnetresonanztomographen eingesetzt worden, so dass 84 auswertbare Datensätze gewonnen werden konnten. Diese 84 Datensätze stammten insgesamt von 42 Frauen und 42 Männern bzw. von 43 strikten Nichtrauchern, 38 starken Rauchern und drei Gelegenheitsrauchern. Anhand der Auswertung der Gesamtstichprobe konnte bestätigt werden, dass das Delay Discounting Paradigma belohnungs- und verzögerungsspezifisch unterschiedliche Reaktionszeiten und unterschiedliche neuronale Aktivierung hervorruft. In belohnungsverarbeitenden Gehirnregionen wie dem ventralen Striatum zeigte sich sowohl stärkere Aktivierung für größere Belohnungen als auch für Belohnungen, die früher ausgezahlt wurden. Damit steht fest, dass Delay Discounting unabhängig von der Entscheidung zwischen zwei Alternativen auftritt. Außerdem konnte erstmalig ein Interaktionseffekt zwischen Belohnungshöhe und Belohnungsverzögerung aufgedeckt werden: Es zeigte sich eine Abnahme der Differenzen in der neuronalen Aktivierung zwischen größter und kleinster Belohnung über die Zeit, was auf eine Indifferenz gegenüber der Höhe verzögerter Belohnung hindeutet. Ein Einfluss der Belohnungsverzögerung wurde allerdings nur beim Erhalt von Belohnungen messbar, bei der Antizipation von Belohnungen zeigte sich kein Delay Discounting Effekt. Bezüglich der Kontroverse zur Existenz eines impulsiven und reflektiven Systems konnten Ergebnisse gewonnen werden, die beide Positionen integrieren. So wurde zwar die Beteiligung von zwei distinkten neuronalen Systemen beim Abwerten zukünftiger Belohnungen bestätigt, allerdings zeigte sich auch, dass beide Systeme – in einem unterschiedlichen Ausmaß – verzögerte Belohnungen abwerten. Trotzdem wird von den vorliegenden Ergebnissen die Annahme, dass sich aus der Interaktion von impulsivem und reflektivem System impulsives und selbstkontrolliertes Verhalten ergeben kann, gestützt. Im Hinblick auf die interindividuellen Unterschiede, die in der vorliegenden Arbeit aufgedeckt werden sollten, haben sich vor allem Zusammenhänge zwischen dem subjektiv berichteten allgemeinen Stress der Versuchspersonen (operationalisiert über das Selbststeuerungsinventar) und der neuronalen Aktivität von Gehirnregionen, die dem impulsiven und reflektiven System zugeordnet werden, gezeigt. So ist bei niedrigem Stress das impulsive System signifikant weniger aktiviert als das reflektive System, während sich bei hohem Stress dieser Zusammenhang umkehrt. Die relative Hyperaktivierung des impulsiven Systems bei Stress könnte erklären, warum unter Stress vermehrt Rückfälle bei abhängigkeitserkrankten Probanden beobachtet werden. Außerdem ging starkes neuronales Delay Discounting in medial präfrontalen Gehirnregionen mit hohem Stress, ebenso wie mit hoher nichtplanender Impulsivität (gemessen anhand der Barratt Impulsivitätsskala) und mit geringer Selbstkontrolle (gemäß des Selbststeuerungsinventars) einher. Dieses Ergebnis belegt unter anderem, dass das neu entwickelte Delay Discounting Paradigma neuronale Prozesse abbildet, die mit Impulsivität und Selbstkontrolle in Verbindung stehen. Darüber hinaus konnte kongruent mit entsprechenden Vorbefunden ein Einfluss des COMT Val 158 Met Polymorphismus auf das neuronale Delay Discounting im ventralen Striatum und erstmalig ein Zusammenhang zwischen dem DRD2 Taq 1 A A1-Allel und neuronalem Delay Discounting im posterioren Cingulum aufgedeckt werden. Damit ist die Bedeutung des Neurotransmitters Dopamin, der durch die untersuchten Polymorphismen beeinflusst wird, für die neuronalen Grundlagen des Delay Discounting bestätigt worden. Zusammengenommen deuten sowohl die beschriebenen Befunde als auch die sonstigen Ergebnisse der Arbeit darauf hin, dass sich neuronales Delay Discounting interindividuell unterscheidet. Im Hinblick auf Pathologien, die mit diesem Phänomen in Verbindung stehen, sollte daher weitere Forschung zu interindividuellen Unterschieden und zu spezifischen Behandlungsmethoden erfolgen.

Background. Patients with anorexia nervosa (AN) are characterized by a very low body weight but readily give up immediate rewards (food) for long-term goals (slim figure), which might indicate an unusual level of self-control. This everyday clinical observation may be quantifiable in the framework of the anticipation-discounting dilemma. Method. Using a cross-sectional design, this study compared the capacity to delay reward in 34 patients suffering from acute AN (acAN), 33 weight-recovered AN patients (recAN) and 54 healthy controls. We also used a longitudinal study to reassess 21 acAN patients after short-term weight restoration. A validated intertemporal choice task and a hyperbolic model were used to estimate temporal discounting rates. Results. Confirming the validity of the task used, decreased delay discounting was associated with age and low selfreported impulsivity. However, no group differences in key measures of temporal discounting of monetary rewards were found. Conclusions. Increased cognitive control, which has been suggested as a key characteristic of AN, does not seem to extend the capacity to wait for delayed monetary rewards. Differences between our study and the only previous study reporting decreased delay discounting in adult AN patients may be explained by the different age range and chronicity of acute patients, but the fact that weight recovery was not associated with changes in discount rates suggests that discounting behavior is not a trait marker in AN. Future studies using paradigms with disorder-specific stimuli may help to clarify the role of delay discounting in AN.

Delay Discounting im Sinne eines Abwertens zukünftiger Belohnungen ist ein weit verbreitetes Phänomen. Es zeigt sich z. B. in persönlichen Angelegenheiten, wie der Entscheidung für den kurzfristigen Genuss von Süßigkeiten und gegen die langfristigen, durchaus größeren Vorteile einer schlanken Figur. Auch internationale wirtschaftliche und politische Diskussionen zum Klimaschutz oder der Finanzkrise werden von der Präferenz für sofortige, kleinere Belohnungen über verzögerte, größere Belohnungen getrieben. In der Psychologie wird Delay Discounting als Maß für Impulsivität bzw. Selbstkontrolle mit dem Auftreten von Aufmerksamkeitsdefizit-Hyperaktivitäts-Syndromen und von Abhängigkeitserkrankungen in Verbindung gebracht. Bezüglich der neuronalen Grundlagen von Delay Discouting ist mithilfe von sogenannten Intertemporal Choice Tasks bereits herausgefunden worden, dass die Entscheidung für eine sofortige Belohnung stärkere neuronale Aktivierung in belohnungsspezifischen Gehirnregionen evoziert als die Entscheidung für eine verzögerte Belohnung. Außerdem wurden sowohl theoretisch wie auch empirisch ein impulsives und ein reflektives System als Grundlage des Delay Discounting beschrieben, deren Existenz jedoch von manchen Wissenschaftlern angezweifelt wird. Ebenso wird angezweifelt, ob Delay Discounting unabhängig vom Einsatz von Intertemporal Choice Tasks und der damit verbundenen Entscheidung zwischen zwei Alternativen überhaupt besteht. Da die neuronalen Grundlagen des Delay Discounting und des impulsiven und reflektiven Systems bisher nicht unabhängig von einer Entscheidungsaufgabe erfasst wurden, konnten diese Zweifel nicht ausgeräumt werden. Ebenso ist zurzeit unbekannt, ob sich die neuronalen Korrelate des Delay Discounting bei Personen mit unterschiedlichen Persönlichkeitseigenschaften, bei Männern und Frauen, bei Rauchern und Nichtrauchern und in Abhängigkeit von verschiedenen Genvarianten unterscheiden. Um diese Lücke zu schließen, ist im Rahmen der vorliegenden Arbeit ein neuartiges Delay Discounting Paradigma zum Einsatz im Magnetresonanztomographen entwickelt worden. Dieses Paradigma ähnelt einem Monetary Incentive Delay Task und ermöglicht es, neuronale Aktivierung bei der Antizipation und bei dem Erhalt einer einzelnen Belohnung zu einem Zeitpunkt zu erfassen. Außerdem kann nach der Antizipation einer Belohnung, die sich durch eine bestimmte Höhe (0,05 €, 0,50 €, 1,00 €) und eine bestimmte Auszahlungsverzögerung (0 Tage, 10 Tage, 100 Tage) auszeichnet, in einer einfachen visuellen Diskriminationsaufgabe eine Reaktionszeit erfasst werden, die als behaviorales Maß für die inzentive Motivation fungiert. Zusammen mit einer Erfassung verschiedener Persönlichkeitseigenschaften und einer Genotypisierung für den COMT Val 158 Met Polymorphismus, den DRD2 Taq 1 A Polymorphismus und den DAT 1 Polymorphismus ist das Delay Discounting Paradigma an insgesamt 90 Probanden im Magnetresonanztomographen eingesetzt worden, so dass 84 auswertbare Datensätze gewonnen werden konnten. Diese 84 Datensätze stammten insgesamt von 42 Frauen und 42 Männern bzw. von 43 strikten Nichtrauchern, 38 starken Rauchern und drei Gelegenheitsrauchern. Anhand der Auswertung der Gesamtstichprobe konnte bestätigt werden, dass das Delay Discounting Paradigma belohnungs- und verzögerungsspezifisch unterschiedliche Reaktionszeiten und unterschiedliche neuronale Aktivierung hervorruft. In belohnungsverarbeitenden Gehirnregionen wie dem ventralen Striatum zeigte sich sowohl stärkere Aktivierung für größere Belohnungen als auch für Belohnungen, die früher ausgezahlt wurden. Damit steht fest, dass Delay Discounting unabhängig von der Entscheidung zwischen zwei Alternativen auftritt. Außerdem konnte erstmalig ein Interaktionseffekt zwischen Belohnungshöhe und Belohnungsverzögerung aufgedeckt werden: Es zeigte sich eine Abnahme der Differenzen in der neuronalen Aktivierung zwischen größter und kleinster Belohnung über die Zeit, was auf eine Indifferenz gegenüber der Höhe verzögerter Belohnung hindeutet. Ein Einfluss der Belohnungsverzögerung wurde allerdings nur beim Erhalt von Belohnungen messbar, bei der Antizipation von Belohnungen zeigte sich kein Delay Discounting Effekt. Bezüglich der Kontroverse zur Existenz eines impulsiven und reflektiven Systems konnten Ergebnisse gewonnen werden, die beide Positionen integrieren. So wurde zwar die Beteiligung von zwei distinkten neuronalen Systemen beim Abwerten zukünftiger Belohnungen bestätigt, allerdings zeigte sich auch, dass beide Systeme – in einem unterschiedlichen Ausmaß – verzögerte Belohnungen abwerten. Trotzdem wird von den vorliegenden Ergebnissen die Annahme, dass sich aus der Interaktion von impulsivem und reflektivem System impulsives und selbstkontrolliertes Verhalten ergeben kann, gestützt. Im Hinblick auf die interindividuellen Unterschiede, die in der vorliegenden Arbeit aufgedeckt werden sollten, haben sich vor allem Zusammenhänge zwischen dem subjektiv berichteten allgemeinen Stress der Versuchspersonen (operationalisiert über das Selbststeuerungsinventar) und der neuronalen Aktivität von Gehirnregionen, die dem impulsiven und reflektiven System zugeordnet werden, gezeigt. So ist bei niedrigem Stress das impulsive System signifikant weniger aktiviert als das reflektive System, während sich bei hohem Stress dieser Zusammenhang umkehrt. Die relative Hyperaktivierung des impulsiven Systems bei Stress könnte erklären, warum unter Stress vermehrt Rückfälle bei abhängigkeitserkrankten Probanden beobachtet werden. Außerdem ging starkes neuronales Delay Discounting in medial präfrontalen Gehirnregionen mit hohem Stress, ebenso wie mit hoher nichtplanender Impulsivität (gemessen anhand der Barratt Impulsivitätsskala) und mit geringer Selbstkontrolle (gemäß des Selbststeuerungsinventars) einher. Dieses Ergebnis belegt unter anderem, dass das neu entwickelte Delay Discounting Paradigma neuronale Prozesse abbildet, die mit Impulsivität und Selbstkontrolle in Verbindung stehen. Darüber hinaus konnte kongruent mit entsprechenden Vorbefunden ein Einfluss des COMT Val 158 Met Polymorphismus auf das neuronale Delay Discounting im ventralen Striatum und erstmalig ein Zusammenhang zwischen dem DRD2 Taq 1 A A1-Allel und neuronalem Delay Discounting im posterioren Cingulum aufgedeckt werden. Damit ist die Bedeutung des Neurotransmitters Dopamin, der durch die untersuchten Polymorphismen beeinflusst wird, für die neuronalen Grundlagen des Delay Discounting bestätigt worden. Zusammengenommen deuten sowohl die beschriebenen Befunde als auch die sonstigen Ergebnisse der Arbeit darauf hin, dass sich neuronales Delay Discounting interindividuell unterscheidet. Im Hinblick auf Pathologien, die mit diesem Phänomen in Verbindung stehen, sollte daher weitere Forschung zu interindividuellen Unterschieden und zu spezifischen Behandlungsmethoden erfolgen.

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