非正规制度、消费模式和代际交叠模型——东方文化信念中居民消费特征的理论分析

Informal Institutions, Consumption Modes and Assumption of OLG Model ——A Theoretical Analysis on Households' Consumption in the Oriental Culture and Belief

传统的消费理论并没有将代际模型和财富存量模型相结合,而本文从社会习俗、道德习惯、家庭伦理等非正规制度的角度说明了中国等国家和地区居民消费和储蓄的特点,沿用和扩展了代际交叠模型,将遗赠(bequest)和赠予(gift)两方向收入转移以及财富偏好同时引入了经济主体的效用函数,用最优化条件来分析我国居民在消费和储蓄行为等方面的特征和存在的问题,进而阐述这些行为对政府宏观经济政策的影响。

The orthodox consumption theories don't incorporate OLG model and wealth-stock model,whereas from viewpoints of social convention, moral formation, ethics and other informal institutions, this article explains the household's characters in consumptions and savings in some countries and regions such as China. We shall exploit and extend the overlapping-generations model, allow the bequest,gift and wealth preference simultaneously to enter into the representative agent's utility function, then apply optimal first order conditions to analyzing the characters and problems concerning consumptions and savings behavior. Furthermore, we state the effects of the analysis on the government macroeconomic policies.We present some relevant theoretical thinkings and solutions.