参照群体对储蓄和消费决策的信息性影响研究  

Anonymity Plays a Part:the Informational Influence on Savings and Consumption

作　　者：李小磊[1] 周颖[1] 潘黎[1] 吕巍[1] 

机构地区：[1]上海交通大学安泰经济与管理学院,上海200052

出　　处：《中国地质大学学报（社会科学版）》2014年第2期118-124,140,共7页Journal of China University of Geosciences(Social Sciences Edition)

基　　金：国家自然科学基金项目"储蓄和消费的选择:自我构建对动态自我控制过程的影响"(71072058)

摘　　要：本文考察了参照群体对储蓄和消费决策的信息性影响,发现接收到与储蓄目标高合意度的参照群体信息使消费者更倾向于选择和储蓄目标一致的行为,接收到与储蓄目标低合意度的参照群体信息使消费者更倾向于选择和储蓄目标不一致的行为,即消费。研究还发现自我建构对信息性影响过程产生调节作用:接收到与储蓄目标高合意信息时,相依自我更倾向于储蓄而独立自我不受影响;接收到与储蓄目标低合意信息时,相依自我更倾向于消费而独立自我不受影响。相比于接收到与储蓄目标高合意信息的组别,接收到与储蓄目标低合意信息的组别相依自我和独立自我的决策差异较小。This paper examines the informational influence on savings and consumption decisions from reference groups.The paper finds that consumers receiving reference group information of high consensus with saving goals prefer consistent behavior with saving goals,while those receiving reference group information of low consensus with saving goals prefer inconsistent behavior with saving goals,which is spending.The paper also finds that self-construal acts as a moderator variable:when receiving reference group information of high consensus with saving goals,interdependent self will be more inclined to save while independent self is not affected;when receiving reference group information of low consensus with saving goals,interdependent self will be more inclined to consume while independent self is not affected.Compared to the group receiving information of high consensus with saving goals,there will be smaller difference between interdependent and independent selves who receive information of low consensus with saving goals.

关 键 词：储蓄和消费 信息性影响 自我建构 信息合意度 

分 类 号：F830.22[经济管理—金融学]