提出19个金融决策中的认知属性，助力AI更像人做决策

Cognitive attributes are fundamental to metacognition, shaping how individuals process information, evaluate choices, and make decisions. To develop metacognitive artificial intelligence (AI) models that reflect human reasoning, it is essential to account for the attributes that influence reasoning patterns and decision-maker behavior, often leading to different or even conflicting choices. This makes it crucial to incorporate cognitive attributes in designing AI models that align with human decision-making processes, especially in high-stakes domains such as finance, where decisions have significant real-world consequences. However, existing AI alignment research has primarily focused on value alignment, often overlooking the role of individual cognitive attributes that distinguish decision-makers. To address this issue, this paper (1) analyzes the literature on cognitive attributes, (2) establishes five criteria for defining them, and (3) categorizes 19 domain-specific cognitive attributes relevant to financial decision-making. These three components provide a strong basis for developing AI systems that accurately reflect and align with human decision-making processes in financial contexts.