心理会计、公共福利保障与居民消费

Mental Accounting,Public Welfare and Private Consumption

消费需求不足是我国经济快速增长过程中的一个突出问题。考虑到经典理论的局限性,我们提出了基于心理会计的消费行为假说,并对假说的真实性进行了验证。研究发现,居民心理会计账户结构的变化是当前制约我国消费需求增长的根本原因,而改革进程中出现的一些制度结构的失衡是问题的根源。据此我们指出,通过提高公共福利和社会保障水平,降低经济发展过程中的不确定性进而调整居民心理会计账户的结构,与单纯增加居民收入相比能够更加有效地促进消费的增长。

Under-consumption is an obvious problem in recent years when China is experiencing its rapid economic growth. To investigate this problem,we propose a hypothesis about consumer behavior based on mental accounting theory which can avoid the limitation of classical consumption theory. We find that the variation of the structure of mental accounts is the core reason which restricts the consumption growth, and the unbalance of some institution structure is the fundamental reason for that problem. We argue that improving public welfare and social security can lower uncertainty of economic growth and change the residents＇ mental accounts, so as to promote consumption growth more effectively than pure income raise.