近年来，随着基金理财的兴起确认效应也越来越受到研究者们的关注。本研究以基金理财为背景，在以往西方研究的基础上实现了确认效应理论的本土化，探讨了在中国文化价值因素下确认效应的中介心理机制和中庸思维的边界条件，并采用量表和作答风格两种方式来测量被试的中庸思维。实验一证明确认效应在中国大学生理财决策时同样存在，并且偏差盲点起到中介的作用，中庸思维的调节效应显著但两种测量方式下的高中庸被试都没有表现出更低的确认效应。实验二在实验一的基础上启动被试的中庸思维以减少其他干扰因素。结果显示，当以作答风格测量中庸思维时，其调节效应显著，且高中庸的被试表现出比以住更弱的确认效应以及更少地受到偏差盲点的影响。本研究揭示了确认效应在中国本土文化背景下的心理作用机制和边界条件，以及使用作答风格测量个体的中庸思维水平更为合理，并启示个体在购买基金时注意提升“中庸”以整合信息并防止损失。

In recent years, with the rise of fund management, the confirmation effect has received increasing attention from researchers. This study explores the psychological mechanisms that mediate the confirmation effect and the boundary conditions of middle-of-the-road thinking in the context of Chinese cultural values, using both scales and response styles to measure subjects' middle-of-the-road thinking. Experiment 1 demonstrated that the confirmation effect was also present in Chinese university students' financial decisions, and that the bias blindness mediated the effect. Experiment 2 built on Experiment 1 to activate moderate thinking in order to reduce other confounding factors. The results showed that the moderating effect was significant when middle-of-the-road thinking was measured by response style, and that high-medium subjects showed weaker confirmation effects and were less affected by bias blindness. The results reveal the psychological mechanisms and boundary conditions of the confirmation effect in the local Chinese cultural context, and that it is more reasonable to use response style to measure individuals' middle-of-the-road thinking, and suggest that individuals should pay attention to enhancing the 'middle of the road' when purchasing funds in order to integrate information and prevent losses.