Resource Use In Household Activity Patterns—A Systems Approach*

Primary objective of this study was to identify from observed activities of the homemaker and family members patterns of resource conservation and augmentation that might explain improvement in the family's economic situation. Observations were performed in 30 rural nonfarm households, all reporting incomes below the poverty level five years previous to the study. An ecological systems model of the household was developed from categories of observed activities. Data indicated that patterns in which storage of materials was a frequently performed activity were most promising for further investigation. A high degree of interdependency was exhibited among household activities     

The Impact of Retirement on Household Leisure Expenditures

Household leisure expenditures for retired and near‐retired households were examined in order to better understand the dynamics associated with the move to retirement status. Data from the 1995 Consumer Expenditure Survey indicated that retirement, total expenditures, and education had positive impacts on leisure expenditures. For retired households, greater total expenditures and education increased expenditures, while age and the presence of earned income decreased expenditures. For near‐retired households, greater total expenditures, education, and the presence of asset income significantly increased leisure expenditures.     

农户民间借贷需求影响因素的经验分析——基于河南省的调查

采用河南省农村的社会调查资料,运用Logit模型,对农户民间借贷需求影响因素进行了实证检验。结果表明:社会资本拥有量、家庭状况和信贷环境均是影响农户民间借贷需求的主要因素。尤其,具有一定社会地位的家庭、收入水平较高的家庭、负担水平较重的家庭以及所在村存在"高利贷"等因素对农户获得民间借贷的可能性具有非常显著的作用。     

金融危机下的家电购买行为

<正>发生于2008年的金融危机已经在全球范围内肆虐了一年。中国政府不仅迅速地推出了以4万亿经济刺激计划为代表的一系列政策措施,同时,还采取财政措施,对家电业进行直接的补贴。那么,金融危机到底对普通消费者的家电购买产生了怎样的影响?这些措施是否起到了     

The Effect of Debt on Perceived Household Welfare

Much of the traditional literature on consumer credit implies that using consumer credit will make families feel worse off but economic investment theory implies the use of consumer credit will not cause a decrease in utility. The effect of changes in debt-asset ratios and other financial and demographic variables on perceived financial well-being are investigated in this article. The results of the analyses indicate families' utility levels did not decrease when they used consumer credit to acquire commodities.     

基于层次分析法的农户信用评估

科学的农户信用评估是农村信用社防范农户信贷风险的有效手段。为保证农户信用评估的科学性和合理性,设计农户信用评估指标体系,运用层次分析法求取各项评估指标的权重,并根据相关专家的意见确定农户信用评估指标的打分标准,同时考虑各项评估指标的权重,构造出农户信用评估模型。利用该模型科学评估农户信用等级,以提高农村信用社防范农户信贷风险的能力。     

我国农户消费理性行为的实证研究

本文利用偏自相关函数（PACF）、DF检验、工具变量法（IV）等分析方法，对农户的消费行为进行了实证分析，得出农户消费在统计上是符合随机游走假说的，但实际上有0．223的偏差．1阶滞后以后的农户消费对当期消费仍具有一定的负向影响。根据实证分析结果，在农户消费的增加额中．有47．6％来自农户当期收入的增加，有52．4％来自农户持久收入的增加。因此，虽然理性都是有限的，但与西方典型消费者相比，我国农户呈现出了更多“有限理性”的特点。针对我国农户消费行为，为了开拓农村市场，应该提高农民素质、完善农村市场、改善农村消费环境。     

The Moderating Effect of Seasonality on Household Apparel Expenditure

This research explores if and how seasonality moderates the effect of consumer characteristics on household per capita expenditure for apparel. The Ordinary Least Squares (OLS) regression analysis was based on quarterly micropanel data from the Continuing Consumer Expenditure Survey. The results confirmed that seasonality moderates the relationship between consumer characteristics and per capita apparel expenditure: the income elasticity of apparel expenditure varied by season as did the effects of age, ethnicity, household size, region, and housing tenure.     

Household Savings Motives

This study proposed a hierarchy of savings motives and identified factors that influence the movement to higher levels of the hierarchy. Continuation ratio analysis utilizing data from the 2001 Survey of Consumer Finances shows the likelihood of advancing to higher levels of savings motives from the current level. Age, family size, and length of the planning horizon are important predictors for advancing from lower levels to higher levels in the proposed hierarchy. Implications are offered for public policy regarding education and programs.     

The Role of Credit in the Theory of the Household

Consumer credit has been neglected in the economic theory of the household. This article examines the role and impacts of credit on household utility, investment, savings and consumption choices. Household consumption-investment models are developed based on the works of Fisher, Lancaster and Becker. Implications are developed for consumer credit use, credit policy and consumer lending institutions.     

居民消费与电商市场规模的U型关系研究

近年来电子商务市场的迅猛发展对我国经济发展起到了日益重要的作用,然而却鲜有文献研究电子商务市场发展与居民消费之间的关系,更没有文献研究电子商务市场发展的不同阶段对居民消费所产生的不同影响.本文基于搜寻理论的微观基础构建了具有价格粘性的动态一般均衡模型,并基于我国2007-2013年省际面板数据进行了实证研究.本文发现:通过提高消费的边际效用和产品的竞争程度两条机制,电子商务市场的发展促进了消费;电子商务市场的发展初期主要是对传统市场的替代,其成长期才是新市场创造的过程.因此,居民人均消费、总消费与电子商务市场销售规模之间呈现出“U”型关系.     

值得探讨的家庭消费观念与结构

<正>家庭消费是社会最终消费的最为重要的部分。家庭消费水平的高低影响着生活消费品生产和销售的总量;家庭消费需求的变化,隐藏着尚待开发的消费品市场的前景;家庭消费结构的调整,不仅仅影响着每一个家庭生活的质量,而且会影响到产业结构的变动。     

家电IT产品品牌个性研究

<正>一、品牌形象和品牌个性品牌形象是指消费者怎么看待某一个品牌,它是人们对品牌由外而内的评价。而品牌个性则是品牌所自然流露的最具代表性的精神气质,它是品牌的人格化表现,     

Household preference revisions and decision making: The role of disconfirmation

In this paper, we examine the role of disconfirmation as an important determinant of household preference revisions and decision making. Although prior research has examined decision influence and information exchange in household decision making, the impact of disconfirmation on individual family member preferences and the joint household preference has not been explicitly studied. Analogous to the main types of social influence found within groups, we identify two types of disconfirmation that impact individual preferences arising from family interaction or discussion. These two types of disconfirmation are informational disconfirmation, related to new product information revealed in family discussion being different than one's prior beliefs, and preference disconfirmation, where a family member has incorrect expectations of the preferences of other influential household members. An empirical study involving a household vacation decision demonstrates significant disconfirmation effects in explaining individuals' post-discussion preferences, as well as the joint household preference and decision. Based on the empirical results, we discuss various implications and suggest future research to study the specific consequences of disconfirmation in household decisions.     

风险态度对中国家庭投资分散化的影响研究

经典理论认为投资者为追求效用最大化,会尽可能分散投资来降低非系统性风险,但大量实证研究表明,大部分投资组合的分散化程度普遍较低,我们通过2009年中国15省城市居民投资行为调查数据也发现了同样的特点.本文试图从投资者风险态度的角度去解释不完全分散化投资频繁出现的原因,并在前人的研究基础上细化投资组合的构成,力图还原影响投资者的投资选择要素.研究结果表明风险态度对中国家庭投资组合的构成确实有显著影响,且投资决策者风险厌恶程度与其持有高分散化投资组合的概率负相关.     

私家车购买影响因素分析

一、引言随着私家车在我国的日益普及,与汽车相关的行业也如日中天,汽车产业已经迅速发展成为一个庞大的产业。在2003年,整车销售增加了37%,达到了439万辆,比1992年增加了100万辆(《亚洲汽车》2004)。中国已经超过了韩国,成为亚太地区仅次于日本的第二大汽车市场。近10年我国私