储蓄动机的分类模型及其群体差异
The Category Model of Saving Motives and Group Differences
摘要
控制居民的储蓄行为已经成为国人共同关心的问题。为了了解储蓄行为，许多国家都对居民的储蓄动机进行了研究，因为储蓄动机是促使人们进行这种储蓄行为的目的。在这篇文章中，我们首先回顾了以前关于储蓄动机的研究，然后将其分为四类。这四类动机分别是预防型储蓄动机、享乐型储蓄动机、个人内部因素和个人外部因素。然后，我们将建立我们自己的关于储蓄动机的分类模型。我们的模型由两个轴组成，第一个轴是个体内部-个体外部轴，另一个是保护-促进轴。本模型的意义在于，以前关于储蓄动机的研究是较为分散，相互之间不够关联的，所以我们希望我们的模型能够在储蓄动机领域提供一个更清晰、更综合的视角，并对模型进行了群体差异分析。<br />
Abstract
Citizens’ savings plays a critical role in national’s financial system. Controlling citizens’ saving behavior is an important financial regulation event. In order to understand saving behavior, many countries had conducted research on citizens’ saving motives, because saving motives is the purpose that drives people to performance such saving behavior. In this article, we first review previous research about saving motives and then divide them into four categories. These four categories are precautionary saving motives, hedonic saving motives, intra individual factors and extra individual factors. And then, we will put up our own category model concerning saving motives. Our model consist of two axes, the first axis is intra individual—extra individual while the other is motivational—hygiene axis. Previous research about saving motives is discrete and scattered, so we purpose that our model can provide a clearer and more integrated view in the field of saving motives.<br /> 关键词
储蓄动机/预防性储蓄/分类模型/群体差异引用本文复制引用
.储蓄动机的分类模型及其群体差异[EB/OL].(2023-02-24)[2026-04-02].https://chinaxiv.org/abs/202302.00259.学科分类
财政、金融
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