经济态度和行为的代际传递现象及机制

doi:10.3724/SP.J.1042.2020.01199

摘要/Abstract

摘要：

经济态度和行为存在从父母向孩子的代际传递现象, 经济态度代际传递的研究内容较为广泛, 包括金钱态度、风险态度、互惠态度和消费态度, 经济行为代际传递的研究主要集中在消费行为、捐赠行为和储蓄行为三个方面。除了遗传路径, 其代际传递有两条社会化路径: 孩子对父母的观察学习和亲子互动, 其中亲子互动包含亲子沟通和财务教养两个层面, 亲子沟通强调语言层面的互动, 而财务教养强调行为层面的互动, 但是财务教养的研究仅停留在表面, 缺乏深入的剖析。未来需要加强中国文化和现实背景下的代际传递现象研究, 并深入探讨其机制。

关键词: 经济态度, 经济行为, 代际传递, 传递机制

Abstract:

There is a phenomenon of intergenerational transmission of economic attitudes and behaviors. Ample studies on intergenerational transmission of economic attitudes primarily focus on money attitude, risk attitude, reciprocity attitude, and consumption attitude, while research on intergenerational transmission of economic behaviors pays much attention to consumption behavior, donation behavior, and saving behavior. In addition to genetic mechanism, the intergenerational transmission has two important pathways of socialization: observational learning and parent-child interaction, in which the latter channel is comprised of parent-child communication and financial parenting. Parent-child communication emphasizes the interaction at the level of language, whereas financial parenting is mainly embodied in the interaction at the level of behavior. However, previous research on financial parenting is still in its preliminary stage without in-depth analyses. Therefore, it is necessary for future studies to strengthen the research of intergenerational transmission in the context of Chinese culture and reality, and to explore its mechanisms in depth.

Key words: economic attitude, economic behavior, intergenerational transmission, transmission mechanism

中图分类号:

B849

郭苹苹, 辛自强. (2020). 经济态度和行为的代际传递现象及机制. 心理科学进展 , 28(7), 1199-1208.

GUO Pingping, XIN Ziqiang. (2020). The phenomenon and mechanism of intergenerational transmission of economic attitudes and behaviors. Advances in Psychological Science, 28(7), 1199-1208.

参考文献 67

[1]	池丽萍. (2013a). 信任: 父母的代内相似和亲子的代际传递. 心理学报, 45(3), 336-344.
[2]	池丽萍. (2013b). 亲子沟通与儿童学业成就. 北京: 北京师范大学出版社.
[3]	池丽萍, 辛自强. (2013). 信任代际传递的中介机制: 一个概念模型. 首都师范大学学报(社会科学版), (1), 140-147.
[4]	杜林致, 乐国安. (2002). 国外金钱心理研究综述. 西北师大学报(社会科学版), (2), 61-65.
[5]	范航, 李丹丹, 刘燊, 方圣杰, 张林. (2019). 主观幸福感代际传递: 有调节的中介效应. 心理科学, 42(4), 841-847.
[6]	房超, 方晓义. (2003). 父母-青少年亲子沟通的研究. 心理科学进展, 11(1), 65-72.
[7]	石庆新. (2008). 家庭理财教育方式对大学生消费行为的影响研究(硕士学位论文). 西南大学, 重庆.
[8]	王琳, 伍麟. (2018). 风险偏好可以代际传递吗?——来自多学科的证据与元理论思考. 心理科学, 41(3), 184-189.
[9]	王燕, 陈斌斌, 李维亚, 钱啸云. (2018). 进化心理学视角下母亲教养行为的代际传承性研究. 心理科学, 41(3), 98-104.
[10]	辛志勇, 于泳红, 辛自强. (2018). 财经价值观研究进展及其概念结构分析. 心理技术与应用, 6(8), 472-483.
[11]	辛自强, 张红川, 孙铃, 于泳红, 辛志勇. (2018). 财经素养的内涵与三元结构. 心理技术与应用, 6(8), 449-458.
[12]	赵金霞, 赵景欣, 王美芳. (2018). 留守妇女与儿童焦虑的代际传递: 有调节的中介效应. 心理发展与教育, 34(6), 724-731.
[13]	郑杭生. (1994). 社会学概论新修. 北京: 中国人民大学出版社.
[14]	周颖华. (2003). 倡导理财教育提高学生经济素质. 现代教育科学, (6), 37-38.
[15]	Alan, S., Baydar, N., Boneva, T., Crossley, T. F., & Ertac, S. (2017). Transmission of risk preferences from mothers to daughters. Journal of Economic Behavior & Organization, 134, 60-77.
[16]	Aleti, T., Brennan, L., & Parker, L. (2015). Family communication for the modern era: A typology. Young Consumers, 16(4), 367-384.
[17]	Al-Zu’bi, A. I. (2015). Mother-daughter intergenerational influence on clothing products: Cultural perspectives. American Journal of Business and Management, 4(4), 203-213.
[18]	Amato, P. R., & Cheadle, J. (2005). The long reach of divorce: Divorce and child well-being across three generations. Journal of Marriage and Family, 67(1), 191-206.
[19]	Anderson, S. T., Kellogg, R., Langer, A., & Sallee, J. M. (2015). The intergenerational transmission of automobile brand preferences. The Journal of Industrial Economics, 63(4), 763-793.
[20]	Balhorn, N. (2013). Gender differences in perception of spending and financial risk aversion (Unpublished doctorial dissertation). Georgetown University, Washington, D.C.
[21]	Bandura, A. (1977). Social learning theory. Englewood Cliffs, NJ: Prentice Hall.
[22]	Beaver, K. M., Hoffman, T., Shields, R. T., Vaughn, M. G., DeLisi, M., & Wright, J. P. (2010). Gender differences in genetic and environmental influences on gambling: Results from a sample of twins from the national longitudinal study of adolescent health. Addiction, 105(3), 536-542. URL pmid: 20402998
[23]	Bowen, M. (1966). The use of family theory in clinical practice. Comprehensive Psychiatry, 7(5), 345-374. URL pmid: 5922263
[24]	Bravo, R., Fraj, E., & Martínez, E. (2006). Modelling the process of family influence on the young adult consumer behaviour. Journal of International Consumer Marketing, 19(1), 35-56.
[25]	Britt, S. L. (2016). The intergenerational transference of money attitudes and behaviors. Journal of Consumer Affairs, 50(3), 539-556.
[26]	Brown, S., & Taylor, K. (2016). Early influences on saving behaviour: Analysis of British panel data. Journal of Banking & Finance, 62, 1-14.
[27]	Brown, S., Srivastava, P., & Taylor, K. B. (2015). Intergenerational analysis of the donating behaviour of parents and their offspring. Southern Economic Journal, 82(1), 122-151.
[28]	Collado, M. D., Ortuño-Ortín, I., & Romeu, A. (2012). Long- run intergenerational social mobility and the distribution of surnames. Manuscript, Universidad de Alicante.
[29]	Conger, K. J., Rueter, M. A., & Conger R. D. (2000) The role of economic pressure in the lives of parents and their adolescents: The family stress model Cambridge, England: Cambridge University Press The family stress model. Cambridge, England: Cambridge University Press.
[30]	Curran, M. A., Parrott, E., Ahn, S. Y., Serido, J., & Shim, S. (2018). Young adults’ life outcomes and well-being: Perceived financial socialization from parents, the romantic partner, and young adults’ own financial behaviors. Journal of Family and Economic Issues, 39(3), 445-456.
[31]	Damian, L. E., Negru-Subtirica, O., Domocus, I. M., & Friedlmeier, M. (2019). Healthy financial behaviors and financial satisfaction in emerging adulthood: A parental socialization perspective. Emerging Adulthood. https:// doi.org/10.1177/2167696819841952.
[32]	De Paola, M. (2013). The determinants of risk aversion: The role of intergenerational transmission. German Economic Review, 14(2), 214-234.
[33]	Dohmen, T., Falk, A., Huffman, D., & Sunde, U. (2011). The intergenerational transmission of risk and trust attitudes. The Review of Economic Studies, 79(2), 645-677.
[34]	Duh, H. I. (2014). Application of the human capital life-course theory to understand generation Y South Africans' money attitudes. Journal of Economics and Behavioral Studies, 6(12), 974-985.
[35]	Furnham, A., & Stacey, B. (1991). Young people’s understanding of society. Routledge.
[36]	Garrison, S., & Gutter, M. (2010). Gender differences in financial socialization and willingness to take financial risks. Journal of Financial Counseling and Planning, 21(2), 6-27.
[37]	Gauly, B. (2017). The intergenerational transmission of attitudes: Analyzing time preferences and reciprocity. Journal of Family and Economic Issues, 38(2), 293-312.
[38]	Grinstein-Weiss, M., Spader, J., Yeo, Y. H., Taylor, A., & Freeze, E. B. (2011). Parental transfer of financial knowledge and later credit outcomes among low-and moderate-income homeowners. Children and Youth Services Review, 33(1), 78-85.
[39]	Grinstein-Weiss, M., Yeo, Y. H., Irish, K., & Zhan, M. (2009). Parental assets: A pathway to positive child educational outcomes. Journal of Sociology & Social Welfare, 36(1), 61-85.
[40]	Gudmunson, C. G., Ray, S. K., & Xiao, J. J. (Ed.). (2016). Handbook of consumer finance research (pp. 61-63). New York: Springer.
[41]	Hibbert, J., Beutler, I., & Martin, T. (2004). Financial prudence and next generation financial strain. Journal of Financial Counseling and Planning, 15(2), 51-59.
[42]	Hira, T. K. (1997). Financial attitudes, beliefs and behaviours: Differences by age. Journal of Consumer Studies & Home Economics, 21(3), 271-290.
[43]	Holahan, C. J., Valentiner, D. P., & Moos, R. H. (1994). Parental support and psychological adjustment during the transition to young adulthood in a college sample. Journal of Family Psychology, 8(2), 215-223.
[44]	Kim, J., Chatterjee, S., & Kim, J. (2012). Debt burden of young adults in the United States. Journal of Financial Counseling & Planning, 23(2), 55-67.
[45]	Kim, J., LaTaillade, J., & Kim, H. (2011). Family processes and adolescents’ financial behaviors. Journal of Family and Economic Issues, 32(4), 668-679.
[46]	Lim, V. K., & Sng, Q. S. (2006). Does parental job insecurity matter? Money anxiety, money motives, and work motivation. Journal of Applied Psychology, 91(5), 1078-1087.
[47]	Lim, V. K., & Teo, T. S. (1997). Sex, money and financial hardship: An empirical study of attitudes towards money among undergraduates in Singapore. Journal of Economic Psychology, 18(4), 369-386.
[48]	McCrae, R. R., & Costa, Jr, P., T. (1994). The stability of personality: Observations and evaluations. Current Directions in Psychological Science, 3(6), 173-175.
[49]	Mittal, B., & Royne, M. B. (2010). Consuming as a family: Modes of intergenerational influence on young adults. Journal of Consumer Behaviour, 9(4), 239-257.
[50]	Moschis, G. P. (1985). The role of family communication in consumer socialization of children and adolescents. Journal of Consumer Research, 11(4), 898-913.
[51]	Moschis, G. P., & Churchill, Jr, G., A. (1978). Consumer socialization: A theoretical and empirical analysis. Journal of Marketing Research, 15(4), 599-609.
[52]	Nash, S. G., McQueen, A., & Bray, J. H. (2005). Pathways to adolescent alcohol use: Family environment, peer influence, and parental expectations. Journal of Adolescent Health, 37(1), 19-28. URL pmid: 15963903
[53]	Necker, S., & Voskort, A. (2014). Intergenerational transmission of risk attitudes-A revealed preference approach. European Economic Review, 65, 66-89.
[54]	Norvilitis, J. M., & Maclean, M. G. (2010). The role of parents in college students’ financial behaviors and attitudes. Journal of Economic Psychology, 31(1), 55-63.
[55]	Ottoni-Wilhelm, M., Zhang, Y., Estell, D. B., & Perdue, N. H. (2017). Raising charitable children: The effects of verbal socialization and role-modeling on children’s giving. Journal of Population Economics, 30(1), 189-224.
[56]	Perugini, M., Gallucci, M., Presaghi, F., & Ercolani, A. P. (2003). The personal norm of reciprocity. European Journal of Personality, 17(4), 251-283.
[57]	Rao, L. L., Zhou, Y., Zheng, D., Yang, L. Q., & Li, S. (2018). Genetic contribution to variation in risk taking: A functional MRI twin study of the balloon analogue risk task. Psychological Science, 29(10), 1679-1691. doi: 10.1177/0956797618779961 URL pmid: 30028645
[58]	Rosa, C. M., Marks, L. D., LeBaron, A. B., & Hill, E. J. (2018). Multigenerational modeling of money management. Journal of Financial Therapy, 9(2), 54-74.
[59]	Schindler, R. M., Lala, V., & Corcoran, C. (2014). Intergenerational influence in consumer deal proneness. Psychology & Marketing, 31(5), 307-320.
[60]	Serido, J., Shim, S., Mishra, A., & Tang, C. (2010). Financial parenting, financial coping behaviors, and well-being of emerging adults. Family Relations, 59(4), 453-464.
[61]	Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30(6), 708-723.
[62]	Solheim, C. A., Zuiker, V. S., & Levchenko, P. (2011). Financial socialization family pathways: Reflections from college students’ narratives. Family Science Review, 16(2), 97-112.
[63]	Waldkirch, A., Ng, S., & Cox, D. (2004). Intergenerational linkages in consumption behavior. Journal of Human Resources, 39(2), 355-381.
[64]	Wang, X. T., Zheng, R., Xuan, Y. H., Chen, J., & Li, S. (2016). Not all risks are created equal: A twin study and meta- analyses of risk taking across seven domains. Journal of Experimental Psychology: General, 145(11), 1548-1560.
[65]	Ward, S., Wackman, D. B., & Wartella, E. (1977). How children learn to buy: The development of consumer information- processing skills. Oxford, England: Sage.
[66]	Wilhelm, M. O. (2007). The quality and comparability of survey data on charitable giving. Nonprofit and Voluntary Sector Quarterly, 36(1), 65-84.
[67]	Wilhelm, M. O., Brown, E., Rooney, P. M., & Steinberg, R. (2008). The intergenerational transmission of generosity. Journal of Public Economics, 92(10-11), 2146-2156. URL pmid: 19802345