CAJ | 학술논문

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。
전통상대우횡절면소비함수적연구，대다집중우대개은사절대소비함수이론적험증급응용방면，단횡절면소비함수여개은사절대소비이론병무직접관계；횡절면소비함수반영료고수입가정조여저수입가정조지간적채권채무관계；반영료재동일시기，상대수입불동적가정조별대우소비화저축적불동선택；축기루적적횡절면소비함수반영료채무존량화위약풍험적불단적취。통과미관경제학소비적변제효용체감원리，탐토료횡절면소비함수적형성궤제；삼조구체국정，탐토료아국적횡절면소비함수적형식병대아국소비신대적발전제출료합리건의。
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 .