中文摘要：

将行为金融理论应用于解决团队合作问题，在考虑团队成员非理性预期的条件下，通过建立合作模型，研究各成员的博弈行为、团队价值以及团队监督，并分析了非理性预期对团队合作的动态影响．结果表明，面对未来的不确定性，过度预期成员会增加团队合作道德风险，使团队绩效降低，对其应加强监督；而保守预期成员则能减少团队合作道德风险，提升团队价值，对其应削弱监督．此外，随着工作经验的丰富，团队成员将趋于理性，非理性预期对团队合作的影响会逐渐减小．该结论在选拔团队成员和实施团队监督等方面的运用，能够有效促进团队合作．

英文摘要：

Applying the behavioral finance theory to resolving the team coordination problem, the paper studies team members＇ behavior, team value and supervision, and analyses the dynamic effect of irrational expectation on team coordination. The result shows that members with excessive expectation will aggravate team＇s moral hazard, and reduce its performance, so it is better to monitor them intensively. Contrarily, members with conservative expectation will alleviate team＇ s moral hazard and upgrade its value, so it is better to monitor them slightly. Moreover, along with the enrichment of working experience, team members will become rational, and the effect of irrational expectation on team coordination will get smaller and smaller. The application of this research conclusion to selecting members and implementing supervision will promote team coordination effectively.