2026年10月8日 / 美国东部时间上午11:13 / 哥伦比亚广播公司新闻
越来越多的研究表明，GLP-1类药物的作用不止于通过抑制成瘾行为帮助人们减重。如今，宾夕法尼亚大学沃顿商学院的专家希望探究这类药物能否通过减少赌博、强迫购物等高风险财务决策，帮助人们守住钱包。
“我们认为GLP-1类药物最终会对大脑产生某些结构性重塑，这不仅会体现在对食物选择的长期影响上，也会作用于财务决策，”沃顿商学院神经科学家、教授迈克尔·普拉特在接受哥伦比亚广播公司新闻采访时表示。
“这对普通人来说可能在财务上大有裨益——他们或许能把更多钱存起来，”他补充道。
在这项首创性研究中，普拉特及其团队将研究GLP-1类药物如何影响人体的奖励系统——一组强化特定行为的大脑结构网络，以确认这类药物能否抑制奢侈品消费、赌博或其他人们往往难以自控的诱惑行为。
普拉特表示，如果这一假设得到证实，GLP-1类药物将能帮助美国人抵制高风险财务决策，逐步养成更健康的消费和储蓄习惯。
风险与收益
他解释道，人体的奖励系统“是所有消费决策的基础”。研究人员推测，GLP-1类药物可以通过简单的注射让人们成为更负责任的决策者，而这类习惯通常需要数年时间才能自行养成。这一假说源自数字健康公司Noom首席执行官杰夫·库克的早期研究，该公司也为沃顿商学院的这项研究提供了资助。
“在高风险行业中，有传闻猜测抑制奖励驱动力或许也会降低人们对风险和超高回报的欲望，”普拉特在沃顿商学院这项研究的概述中说道，他所指的是股票交易等行业。“而在另一个极端，同样的变化也可能帮助普通消费者抵制冲动消费，更倾向于长期财务目标。”
2026年的西北互助人寿保险公司研究发现，73%的美国人会主动参与或考虑从事体育博彩、加密货币投资等高风险投机活动，因为他们认为这些方式比投资指数基金等传统低风险手段更能实现财务目标。
消费如何激活大脑
沃顿商学院的团队计划招募约180名参与者，研究将于10月中旬至2027年3月左右，在宾夕法尼亚大学的MindCORE研究实验室开展。
研究人员将询问参与者的人口统计背景、心理健康状况以及是否使用过GLP-1类药物（如适用），并让他们完成一项简短的认知练习。随后，研究对象将在进行四项任务的同时接受核磁共振成像扫描——其中两项与食物相关，另外两项与财务决策相关。
科学家将监测核磁共振成像的活动，寻找大脑奖励系统的活动线索——该系统负责处理价值评估、奖励感知和决策制定，涉及多巴胺等神经递质——以了解这些系统对相关刺激的反应。
在第一项财务任务中，参与者将看到14组商品、服务、体验和消费机会的图片，例如强力球彩票头奖。这种被称为“被动观看”的技术可以帮助研究人员在无需参与者采取任何行动的情况下，监测他们对特定图片的自发大脑反应。沃顿商学院的研究人员表示，他们将避免展示带有知名品牌或商标的图片，以确保人们的神经反应不会受到品牌熟悉度或偏好的影响。
“这项被动财务任务可以让我们比较人们对实用型、刚需类购买行为，与更随意、享受型奖励的反应差异，”研究人员在研究方案中写道。
GLP-1类药物能否改变人们对即时满足的需求？
在研究的第二阶段，参与者需要做出财务决策，并通过核磁共振成像仪上的按钮表达自己的选择。例如，他们是更愿意现在拿到20美元，还是两个月后拿到50美元？
“这是即时满足与等待更高价值回报之间的权衡，”普拉特告诉哥伦比亚广播公司新闻。
核磁共振扫描将显示血流和血氧水平的变化，以此表明大脑的哪些区域被激活，以及参与者在研究中对不同财务选项的价值评估差异。
“我们的核心问题之一关乎主观价值，即某一食物或财务选项对特定个体的吸引力，以及这种价值评估是否会因使用GLP-1类药物而发生改变，”参与研究的其他人员在发给哥伦比亚广播公司新闻的电子邮件中表示。
核磁共振扫描结束后，参与者需要落实他们在研究中做出的其中一项决策。例如，如果他们表示更愿意在两个月后拿到50美元而非立即拿到20美元，他们将在后续日期收到50美元的付款。
“这能确保你坦诚且不受干扰地表达自己的偏好，”普拉特说。“你必须为自己的决定承担后果。”
编辑：阿兰·谢特尔
https://www.cbsnews.com/video/the-promises-and-pitfalls-of-glp-1-drugs/
Can GLP-1 drugs help stop compulsive shopping, gambling and other ways people throw away their money?
October 8, 2026 / 11:13 AM EDT / CBS News
A growing body of research suggests GLP-1 drugs can do more than just help people lose weight by curbing addictive behaviors. Now, experts at the Wharton School of the University of Pennsylvania want to see whether the drugs can benefit people’s bank accounts by reducing risky financial decisions, such as gambling or compulsive shopping.
“We believe GLP-1s will ultimately lead to some structural remodeling of the brain, which is where some of those long-term impacts on food choice could show up, but also on financial decision-making,” Michael Platt, a neuroscientist and professor at Wharton, told CBS News.
“It might be very good financially for the average person — maybe they’re putting more money into savings,” he added.
In a first-of-its-kind study, Platt and his fellow researchers will examine how GLP-1s influence the body’s reward system, a network of brain structures that reinforces certain behaviors, to see whether the drugs suppress temptations such as luxury purchases, gambling or other activities that people often find hard to control.
If that proves true, GLP-1s could help Americans resist risky financial decisions and potentially develop better spending and saving habits, Platt said.
Risks and rewards
The body’s reward system “underlies all consumption decisions,” he explained. The researchers posit that GLP-1s could make people more responsible decision-makers through a simple injection, a habit that might otherwise take years to cultivate on their own, Platt said. That hypothesis stems from earlier research by Geoff Cook, the CEO of Noom, a digital health company that is funding the Wharton study.
“There is anecdotal speculation in high-risk professions that dampening reward drive might also dampen appetite for risk and very high returns,” Platt said in an overview of the Wharton study, referring to professions such as stock trading. “At the other end of the spectrum, the same shift could potentially help ordinary consumers resist impulsive spending and favor longer-term financial goals.”
A 2026 Northwestern Mutual study found that 73% of Americans actively participated in, or considered pursuing, highly speculative activities like sports betting and investing in cryptocurrencies because they believed these methods were more effective at achieving their financial goals than conventional, less risky methods, such as investing in index funds.
How spending lights up your brain
The Wharton team plans to recruit about 180 participants for the study, which will run from mid-October through around March 2027 at the University of Pennsylvania’s MindCORE research lab.
Researchers will ask participants basic questions about their demographic background, mental health and GLP-1 use, if applicable, and also to complete a short cognitive exercise. The research subjects will then undergo magnetic resonance imaging while performing four tasks — two focused on food and two on financial decisions.
Scientists will monitor MRI activity for clues about how their brains’ reward systems — which process value, reward and decision-making and involve neurotransmitters such as dopamine — respond to that stimulus.
For the first financial task, participants will be shown a series of 14 images of products, services, experiences and spending opportunities such as the Powerball jackpot. The technique, called passive viewing, helps researchers monitor people’s spontaneous brain responses to certain images without asking them to take any action. The Wharton researchers said they will avoid showing images featuring recognizable brands or logos to ensure that the person’s neural response is not skewed by brand familiarity or preference.
“The passive financial task allows us to compare responses to practical, need-based purchases versus more discretionary and enjoyment-oriented rewards,” the researchers wrote in laying out the study.
Can GLP-1s change your need for immediate gratification?
During the second phase of the study, participants will be asked to make a financial decision and indicate their response by pressing a button on the MRI machine. For example, would they prefer $20 now or $50 in two months?
“It’s a trade-off between immediate gratification and getting something that you might know is actually of higher value, but you’d have to wait for it,” Platt told CBS News.
The MRI scan will show changes in blood flow and oxygen levels that indicate which parts of the brain are being activated and how participants value certain financial options in the study compared to others.
“One of our main questions concerns subjective value, meaning how desirable a food or financial option is to a particular person, and whether this valuation differs with GLP-1 use,” other researchers involved in the study told CBS News in an email.
After the MRI, the participants will have to follow through on one of the decisions they made during the study. For example, if they said they would rather receive $50 in two months than $20 immediately, they would receive a $50 payment at that later date.
“That ensures that you are being honest and blind with your preferences,” Platt said. “You will have to face the consequences of your decision.”
Edited by Alain Sherter
https://www.cbsnews.com/video/the-promises-and-pitfalls-of-glp-1-drugs/