横截面消费函数的全新视角

New Perspective on Cross-Section Consumption Function

传统上对于横截面消费函数的研究,大多集中于对凯恩斯绝对消费函数理论的验证及应用方面,但横截面消费函数与凯恩斯绝对消费理论并无直接关系;横截面消费函数反映了高收入家庭组与低收入家庭组之间的债权债务关系;反映了在同一时期,相对收入不同的家庭组别对于消费和储蓄的不同选择;逐期累积的横截面消费函数反映了债务存量和违约风险的不断积聚。通过微观经济学消费的边际效用递减原理,探讨了横截面消费函数的形成机制;参照具体国情,探讨了我国的横截面消费函数的形式并对我国消费信贷的发展提出了合理建议。

Traditional researches on cross‐section consumption function are mostly focused on the fields of validation and application of Keynes's absolute consumption theory ,however ,the cross‐section consump‐tion function has no direct relationship with Keynes ’ s absolute consumption theory .The truth is that cross‐section consumption function reflects the debts between the family groups with high disposable in‐comes and the family groups with low disposable incomes ,and it also reflects that the family groups with different relative incomes have different choices for consumption and savings in the same period .The accu‐mulative effect of the cross‐sectional consumption function by periods reflects the accumulating stock of debts and default risks .The formation mechanism of the American‐type cross‐section consumption func‐tion was discussed through the principle of diminishing marginal utility with consumption in micro‐eco‐nomics .At last ,according to the specific conditions of our country ,the patterns of cross‐section consump‐tion function of our country was discussed ,some reasonable suggestions on the development of consumer’ s credit in our country were put forward .