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1、山西財(cái)經(jīng)大學(xué)碩士學(xué)位論文習(xí)慣形成下的城鎮(zhèn)居民消費(fèi)行為研究姓名：龔攀峰申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：統(tǒng)計(jì)學(xué)指導(dǎo)教師：杭斌20110220AbstractThispaperunitestheyofprecautionarysavingspecificpracticalconsumptioninChinasurbanresidentsbuildsconsumptionfunctiononurbanresidentsconsumptionhabiti

2、ncomeincomeriskwealthgoals.AccdingtoChinesepercapitaincomeofurbanresidentstheirpercapitaconsumptionpaneldatafrom2002to2008in31provincesmunicipalitiesitsetsupthestaticdynamicpaneldataeconometricmodelwithindividualeffectst

3、hedynamicpaneldatamodelismeeffectiveconsistentontheparameterestimate.Ourconclusionsareasfollowsfirstlytheintensityofconsumptionhabitofurbanresidentsis0.1094whichimpliesthatthepasturbanresidentsintensityofconsumptionwould

4、affectthepresentconsumption.Secondlybasedonconsumptionhabittheurbanresidents’marginalpropensitytoconsumeis0.7786.Thirdlythecurrentconsumptionofurbanresidents’elasticityofincomerisksis0.05132.Fourthlytheindividualeffectso

5、feachregionarequitedifferentwesternprovinceshavegreaterindividualeffect.Fromthepointviewofdifferentregionsfirstlynationalurbanresidentsconsumptionhabitfmationparameteris0.1094whichismuchlowerthantheShanghai0.3071Henan0.2

6、127Sichuan0.3512whichnotonlyshowsthecurrentspendingofurbanresidentsinChinararelyrelyonconsumerspendinginthepreviousoneshowsthattherearemanydifferentspendinghabitsbetweendevelopedregionsunderdevelopedregionsshowingthehete

7、rogeneityoftheregion.Secondlynationalurbanresidents’marginalpropensitytoconsumebasedonconsumptionhabitsis0.7786muchhigherthanShanghai0.5624Henan0.7146Sichuan0.6904whichindicatesthattheyspendvastmajityofitscurrentincomeon

8、currentconsumption.ThirdlytheincomerisktheflexibilityofurbanresidentsinChinaoncurrentconsumptionis0.05132aftergettingtheabsolutevaluemethanShanghai0.0319butmuchlessthanSichuan0.0674Henan0.0750whichnotonlyillustratesthatt

9、heurbanresidents’uncertaintyofincomeontheconsumptiongoesdownastheeconomybecomesmemedevelopedbutalsostatesheterogeneityofregionalprecautionarysavings.Thegreatertheriskoftheirincomeismecautioustheirconsumptionis.InGeneralt

10、heconsumptionhabitisoneimptantvariableintheconsumptionfunction.theconsumptionhabitnotonlyhasacertainexplanatypowerfprecautionarysavingsofurbanresidentsbutalsohasacertainexplanatypowerfliquidityexcesswhetheritmakestheseri

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