基于自我控制的消费文化对消费信贷影响研究

On the Effect of Consumer Culture on Consumer Credit Based on Self-control

文章从自我控制的消费文化视角,基于行为经济学的双曲线贴现模型,以模型参数设定作为消费文化的技术表达,以文化渗透度和夫妻容忍度作为消费文化的代理变量,采用我国31个省市2004-2010年的面板数据,实证检验了消费文化对消费信贷的影响,并根据马斯洛需求层次理论解释了其作用机制。结果表明,代表消费文化的变量之一的文化渗透度与消费信贷正相关,代表消费文化的变量之一的夫妻容忍度与消费信贷负相关,消费文化可以通过影响消费者的需求层次结构来影响消费信贷行为。在我国,消费文化使得消费者更加注重生理和安全需求,发展需求较少。文章据此从消费者的需求层次和心理成本的视角提出了三点政策建议。

From a perspective of consumer culture based on self-control,this paper technologically expresses consumer culture through the establishment of parameters based on hyperbolic discounting model in behavioral economics,and empirically tests the effect of consumer culture on consumer credit by taking culture penetration and couple tolerance as proxy variables of consumer culture and the panel data of 31provinces or cities from 2004to 2010.Then it explains the function mechanism based on Maslow's hierarchy of needs.It arrives at the conclusions that culture penetration as a variable of consumer culture is positively correlated with consumer credit,and couple tolerance as a variable of consumer culture is negatively correlated with consumer credit;consumer culture can affect consumer credit through consumers' hierarchy of needs.In China,consumer culture makes consumers place more emphasis on physiological and safety needs and less emphasis on development needs,so this paper puts forward three pieces of policy suggestions from the perspective of consumer's hierarchy of needs and psychological costs.