中国消费者信用责任感实证研究 (An Empirical Study of Chinese Consumer's Credit Responsibility)

Chinese Abstract: 本文从分析“中国人是否变得奢侈放纵了？”这一敏感问题入手，利用结构方程模型厘清了中国人的消费欲望、奢侈品消费倾向以及信用责任感三者之间的联系。研究结果显示，在生活富裕，收入不断增长的今天，中国人的消费欲望也在持续增强。本应该随着消费欲望正向增长的奢侈品消费倾向，却最终表现为拟制。换句话说，经济状况的改善并没有使中国人变得奢侈放纵而偏爱奢侈品。本文引入信用责任感对此现象给出了解释，进一步的分析表明，中国人具有很强的信用责任水平，而信用责任感与奢侈品消费倾向之间呈现显著的负向联系。关键词： 消费欲望； 奢侈品消费； 信用责任感.English Abstract: Based on the question analysis, Chinese people are becoming extravagant indulgence? The relationship between Chinese people's desire for consumption and luxury, and a sense of credit responsibility are clarified. The results reviewed that Chinese people's desire for consumption continue to strengthen while they become rich. The desire for luxury, which should strengthen as well, comes out to be negative. In other words, the improvement of economic situation does not make Chinese people become extravagant and indulgent. In order to explain this phenomenon, this paper introduces credit responsibility. Further analysis showed that the Chinese people have a strong level of credit responsibility, and credit responsibility expressed a significant negative link with luxury consumption