经济态度和行为的代际传递现象及机制

The phenomenon and mechanism of intergenerational transmission of economic attitudes and behaviors

经济态度和行为存在从父母向孩子的代际传递现象,经济态度代际传递的研究内容较为广泛,包括金钱态度、风险态度、互惠态度和消费态度,经济行为代际传递的研究主要集中在消费行为、捐赠行为和储蓄行为三个方面。除了遗传路径,其代际传递有两条社会化路径:孩子对父母的观察学习和亲子互动,其中亲子互动包含亲子沟通和财务教养两个层面,亲子沟通强调语言层面的互动,而财务教养强调行为层面的互动,但是财务教养的研究仅停留在表面,缺乏深入的剖析。未来需要加强中国文化和现实背景下的代际传递现象研究,并深入探讨其机制。

There is a phenomenon of intergenerational transmission of economic attitudes and behaviors.Ample studies on intergenerational transmission of economic attitudes primarily focus on money attitude,risk attitude,reciprocity attitude,and consumption attitude,while research on intergenerational transmission of economic behaviors pays much attention to consumption behavior,donation behavior,and saving behavior.In addition to genetic mechanism,the intergenerational transmission has two important pathways of socialization:observational learning and parent-child interaction,in which the latter channel is comprised of parent-child communication and financial parenting.Parent-child communication emphasizes the interaction at the level of language,whereas financial parenting is mainly embodied in the interaction at the level of behavior.However,previous research on financial parenting is still in its preliminary stage without in-depth analyses.Therefore,it is necessary for future studies to strengthen the research of intergenerational transmission in the context of Chinese culture and reality,and to explore its mechanisms in depth.