家庭欲望、脆弱性与收入-消费关系研究

A Study on the Relationship between Household Wants,Vulnerability and Income-Consumption

家庭进行消费或储蓄的行为受消费欲望和积累财富欲望的支配。家庭财富占有的欲望与消费的欲望强弱变化不仅受到外在的生存环境的影响,而且还受到家庭脆弱性、结构和生命周期等自身因素的影响。家庭消费需求具有刚性,家庭收入只有在满足刚性消费需求以后,才能确定用于消费和储蓄的比例。在应用刚性消费需求构建的家庭消费函数模型对中国家庭高储蓄、低消费原因进行实证研究发现,中国家庭消费长期低迷的主要原因是刚性消费需求低下和家庭脆弱性。

Households＇ saving or consumption behaviors are dominated by their wants on commodity consumption and wealth accumulation. Households＇ own vulnerability, structure and lifecycle as well as the external environment influence households＇ wants. Households＇ consumption is rigid. The saving-consumption decision can only be made after rigid consumption demand is met. After a detailed theoretical and empirical analysis using household consumption function formatted by rigid-demand theory, this paper finds an explanation for the long lasting low consumption rate in China lies in the reducing rigid consumption demand and the household vulnerability.