储蓄和消费的选择:自我建构对应对目标冲突的影响

被引：14

作者：

潘黎

吕巍

王良燕

机构：

[1] 上海交通大学安泰经济与管理学院

来源：

管理评论 | 2013年 / 25卷 / 03期

关键词：

多目标; 目标冲突; 储蓄; 消费; 自我建构;

D O I：

10.14120/j.cnki.cn11-5057/f.2013.03.015

中图分类号：

F832.22 [储蓄]; F126 [人民生活状况];

学科分类号：

1201 ; 020204 ; 0201 ; 020105 ;

摘要：

从消费者行为视角研究储蓄和消费问题起步较晚,但自2008年金融危机以来,北美消费者的低储蓄和负储蓄带来的负面影响日益凸显,北美的消费行为学者开始关注如何促进消费者成功储蓄。而我国的情况比较复杂,总体来说我国居民过高的储蓄率一定程度上限制了经济的发展,但也有一些"月光族"确实存在过度消费的问题,从消费者视角研究影响储蓄和消费决策的微观心理因素有利于为我国刺激消费和引导合理消费提供建设性建议。本文认为自我建构是导致我国比欧美国家存得多消费得少的一个重要原因,这主要是因为相依自我在应对目标冲突时比独立自我更有优势,本文通过一个行为决策实验和一个关于实际消费、储蓄现状的研究,在情境自我建构和长期自我建构两个层面证实了这一假设。

引用

页码：27 / 37

页数：11

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