消费行为多维解释模型构建思路

经济行为的理性与非理性始终是研究经济学与其他社会科学交汇的难点且又是不可避免的.现代经济学也有将理性从"自利"向更大范围扩大的趋势,但还没有建立完整精确的理论模型.本文从经济学以外更广泛的社会科学视角,通过分析消费行为中的非理性因素,对传统西方经济学中关于消费行为的解释性理论提出补充.论证了消费行为中非理性的一面,以及影响消费行为的社会性因素,对建立综合社会性变项的消费理论体系和模型做了探索性的思考.     

浅谈理性消费和非理性消费

在我们的消费生活中存在理性和非理性之分,所谓的理性消费是怎样一种消费？影响我国居民理性和非理性消费的因素又有哪些,怎样尽可能的避免非理性消费,增强理性消费？本文探讨了理性消费和非理性消费及其影响因素,并提出了相关建议。     

基于行为经济学视角的寿险消费有限理性研究

现实生活中很多寿险消费者的保险消费决策并不是按照传统理论预测进行的,甚至与期望效用理论相背离,呈现出非理性特征。本文从寿险消费的有限理性入手,分析有限理性行为在寿险消费中的表现,并运用行为经济学理论分析有限理性表现的成因,提出寿险有限理性消费行为下对消费者权益的保护措施:即加大消费者教育力度,引导树立理性、科学的保险消费观念;加大保险产品相关信息披露,便于消费者做出理性选择;建立专门的保险消费者保护机构;加强寿险公司的诚信建设,优化保险消费环境。     

当代市场营销中的激情消费行为研究

激情消费是当今市场的一种主要消费方式。对于市场营销而言,激发非理性激情消费并不难,难的是如何倡导一种健康、理性的消费时尚。在分析激情消费内涵与表征的基础上,研究了激情消费的主体行为特征及产生激情消费的原因,并就如何处理好理性消费与激情消费提出了相关对策。     

非理性消费行为的动因思考——从女性对服装的消费行为出发

当前社会,非理性的消费行为越来越凸显并且日益成为学者们研究的对象。在这个忙碌工业社会里,穿着亮丽考究的年轻女性成为碌碌人群中亮丽的风景线。作为消费群体中的一个特殊群体,她们对服装消费的时尚,冲动和超前让我们看到了他们在消费中感性的一面,看到了她们趋于同质性的消费倾向。本文由一个经济学现象出发,从女性对服装消费的分析开始,对非理性消费行为的动因进行了详细的阐述。     

中国奢侈品消费的动因分析

随着当前我国奢侈品消费人数的不断攀升及奢侈品消费金额的不断提高,中国的奢侈品消费从整体上看未富先奢的局面已经出现。其大致可分为两类：一类是传统奢侈品的消费,消费人群主要集中在超富裕阶层;另一类是新奢侈品的消费,消费人群是中产阶级和白领。从影响我国消费者奢侈品消费的主要动机来看,人际性消费是影响我国奢侈品消费的主要动机,其中符号性消费是影响我国当前奢侈品消费的首要因素。符号性消费、从众性消费与人情消费都属于非理性的消费行为,促使我国奢侈品消费呈现出一种非理性状态。因此．应大力倡导理性消费．同时也要抓住契机。加大宣传营销力度与创新．树立自己的民族奢侈品牌,更好地发施我国经济     

非理性消费的概念述评

美国的次贷危机是不是由非理性消费日积月累所埋下的祸根，2009年我国房价的一路上扬，是不是也有非理性消费的推波助澜。研究人的非理性消费意义重大，这是关系到我国经济能否又好又快发展，能否健康可持续发展的大事。但是，目前对非理性消费的概念界定仍然比较模糊，还缺乏统一的认识，并且，随着时代的发展，其概念应该有新的内涵，本文在分析消费、消费者行为和理性消费的基础上提出了非理性消费的概念。     

基于心理学视角解读房市高温现状

当前,针对房地产市场的调控政策屡屡碰壁,房市一如既往的高烧不退。似乎没有什么能够抑止消费者的购房热潮。对此,我们不禁要问:众多的消费者是在理性消费、还是跟风盲从?传统的经济学理论将消费者视为理性的消费群体,然而我们在房市中看到的却是形形色色的难以用经济学理论解释的非理性行为。因此,只有通过对房地产市场中消费者的消费行为进行透析和解读,才有助于对症下药,使政府调控政策发挥应有的作用。     

奢侈消费行为的经济学分析

奢侈消费在发达资本主义国家中具有悠久的发展历程,纵观国际知名奢侈品品牌,诸如路易·威登、古驰、香奈儿等普遍来自于老牌资本主义国家。随着社会的全面发展,改革开放深化落实以及国际经济一体化纵深发展背景下,我国奢侈消费逐渐升温,一方面在刺激消费过程中对经济发展发挥一定的积极作用,另一方面受诸多因素的影响,我国奢侈消费非理性特征明显,并且翌日剧增,已经成为社会关注的热点话题。本文以奢侈消费为研究视角,以经济学维度对我国奢侈消费现状已经存在的问题进行分析,同时基于产生问题的原因探索引导我国奢侈消费走向理性与"绿色"发展态势的策略。旨在推动为市场经济背景下,我国消费市场的健康稳定发展贡献绵薄之力。     

大学生消费心理及其行为的理性疏导

本文从当代大学生消费现状及心理分析出发,探讨了大学生消费行为的非理性表现,并提出了对大学生消费行为进行理性疏导的对策。     

安徽省国内旅游消费结构问题探析

旅游消费结构是衡量一个国家或地区旅游业发展是否成熟的重要标志之一。对安徽省国内旅游消费结构问题进行探析,目的在于探讨安徽省旅游业的发展状况。通过采用文献资料法,并运用Excel软件对近几年安徽省旅游业的统计数字进行分析,最后得出结论：安徽省旅游消费结构存在着非基本旅游消费比重过大、购物娱乐消费少和旅游产品结构不合理等方面的问题。通过对安徽省旅游消费结构在环境层面、政府层面、旅游企业层面、旅游产品层面和区域发展层面的深度分析,提出安徽省优化旅游消费结构的一些策略。     

加快推进公共支出转型 增强江苏经济增长消费驱动力

投资和出口在江苏经济增长过程中扮演着特别重要角色,而消费对经济增长的驱动作用在持续下降。作为影响居民消费的重要因素,江苏的公共支出并未对城乡居民消费产生挤入效应。江苏公共支出转型总体上符合经济发展方式转变的要求,但也存在相关的问题。因此,应加快推进公共支出转型,增强江苏经济增长的消费驱动力。     

The purchase of moral positions: an essay on the markets of concerned parenting

The markets directed towards the very youngest are rapidly expanding. This article looks into the mechanisms behind the expansion of this type of parental consumption, assigning children a position similar to what Veblen categorized as vicarious consumption. The assumption put forward is that the modern markets for babies and toddlers rooted not only in the need to stimulate, protect and support the child, or the desire to display cultural and economic capital through vicarious consumption, but also in the need to indicate positions in the moral economy of concerned parenting. The expanding markets of considered consumption are partly based on translation values, empathy and care made into tangible products with symbolic values in the moral economy.     

消费信贷合同的内涵及法律特征研究

消费信贷中,消费信贷交易的过程往往通过合同的形式体现出来,所以,消费信贷合同的研究尤为重要。消费信贷合同应与消费借贷、消费借款、消费信用等合同加以区分。而何为消费信贷合同,消费信贷合同有哪些法律特征,这些是研究消费信贷合同所首先必须澄清的问题。     

The Role of Habit,Childhood Consumption,Familiarity, and Attitudes Across Seafood Consumption Segments in Australia

Australian consumers hold very favorable attitudes toward seafood, with key drivers to consumption being taste, convenience, diet variety, and health benefits. Nevertheless, despite these positive attitudes, seafood consumption remains below many other countries. In this article, we investigate the influence of habit including regular childhood consumption, familiarity with seafood, and attitudes toward seafood on seafood consumption and consumption occasions. Habit and lack of familiarity with seafood were found to lead to lower levels of seafood consumption, whereas positive attitudes toward seafood were associated with more regular seafood consumption. People who consumed seafood on a regular basis as a child were more likely to be more familiar with seafood and be in the habit of consuming seafood in adulthood. Patterns of childhood consumption occasions were found to be associated with adult consumption occasions. Based on these findings, we discuss possible strategies and behavioral interventions for further investigation, which are grounded in habit theory and are aimed at changing seafood eating habits, increasing childhood consumption, and reducing the lack of familiarity with seafood.     

Sustainable consumption: consumption,consumers and the commodity discourse

This paper examines the concept of sustainable consumption by focusing on the consumption habits of Irish consumers. The key research findings fit into three broad and interrelated categories. Firstly, whilst recent sustainable consumption literature suggests that new research should focus on the issue of consumption, in and of itself, our study shows that consumers themselves view environmental problems from a supply and not a demand perspective. They focus on issues such as recycling and waste and not consumption itself. Secondly, our study shows that consumers have green opinions about very diverse issues and these are directly related to the individuals' lifestyles. Finally, our research shows that “material green” consumers are buying into a particular image in their consumption practices. This is very much connected to the meanings of their consumption that are derived from the communication value they attach to commodities. As such our study provides support for earlier conceptual research which suggests that in order to encourage less consumption we must use existing commodity discourse to achieve such ends.     

城镇中等收入居民消费障碍的制度探析

本文认为,由于改革措施的不配套以及长期信贷政策导向的影响,现阶段城镇中等收入居民在面临大额消费品时出现了消费障碍,表明城镇中等收入居民面临着流动性约束或信贷约束,难以进行跨时性消费并实现居民消费结构升级。文章指出,以城镇中等收入阶层作为消费信贷的重点培育对象,大力发展私人消费信贷市场,不仅是消除和缓解其流动性约束或信贷约束的基本手段,也是彻底改变我国商业银行不良贷款结构的根本性措施。     

中国城乡居民消费持续低迷的心理因素分析

消费心理是消费需求的具体表现 ,又是消费行为的内在因素 ,同时居民消费行为将对经济运行产生一定的影响。城乡居民消费持续低迷固然是由多方面的原因造成的 ,其中心理因素发挥着重要的不容忽视的作用。了解、分析消费者心理 ,对正确地引导居民消费是十分必要的。     

The Effect of Windfall Gains on the Sunk-Cost Effect

Prior research has extensively documented the sunk-cost effect – an irrational attention to irrecoverable past costs while making pending investment or consumption decisions. In a series of experiments, we show that the sunk-cost effect weakens and sometimes disappears when consumers receive a windfall (unexpected) income at the time of making a decision. This unbudgeted income allows consumers to write off their past losses, thereby eliminating the pressure to consume in order to satisfactorily close the account. We further show that the similarity between the nature of the windfall income and the past sunk-cost moderates this relationship. More generally, we argue that mental accounts can be flexible and consumers may have discretion in moving money between different mental accounts.