CAJ | 학술논문

本文将心理学中心理账户的概念引入习惯形成理论,将心理账户分为日常消费账户和一次性大额消费账户.假设中国城镇居民的消费特征是在保持日常生活消费支出平稳增长的前提下,将收入中扣除日常消费支出的部分储蓄起来,以应付各种一次性大额消费支出.理论模型和经验研究表明：中国城镇居民一次性大额消费表现出耐久性和奢侈品消费特征,从理论上回答了为什么收入的上升有助于启动热点消费.同时,这一研究结论可以为近年来汽车消费的快速增长等经济现象提供一个理论解释.
본문장심이학중심리장호적개념인입습관형성이론,장심리장호분위일상소비장호화일차성대액소비장호.가설중국성진거민적소비특정시재보지일상생활소비지출평은증장적전제하,장수입중구제일상소비지출적부분저축기래,이응부각충일차성대액소비지출.이론모형화경험연구표명：중국성진거민일차성대액소비표현출내구성화사치품소비특정,종이론상회답료위십요수입적상승유조우계동열점소비.동시,저일연구결론가이위근년래기차소비적쾌속증장등경제현상제공일개이론해석.
Mental account, which is a concept of psychology, is lead into the theory of habit formation in this paper. We separate mental account into two： account of consumption in daily life and account of large consumption for disposable. On the premise of keeping the consumption steady increased in daily life, Chinese urban residents save the remaining for large consumption for disposable. Theoretical model and empirical research suggest that large consumption for disposable present durability and characteristic of luxury. This provides an answer of why increasing income can promote hot point of consumption. At the same time, our conclusion that provided a theoretical explanation of some economic phenomena, such as the rapid growth of car consumption.