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家庭理财教育方式与大学生消费价值观、消费决策风格的关系

The Relationship Between Family Financial Education and College Students’ Consumption Value and Consumption Decision-making Style

Psychology of China / 2021,3(7): 692- 700 / 2021-08-09 980 610

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• Authors: 李美华 陈华
• Information:

  西南交通大学 心理研究与咨询中心，成都

• Keywords:
  College students; Family financial education; Consumption value; Consumption decisionmaking style
  大学生; 家庭理财教育方式; 消费价值观; 消费决策风格
• Abstract: This study aims to investigate the relationship between college students’ family financial education style and consumption decision-making style, as well as the mediating role of consumption values in it. Through the family financial education style questionnaire, consumption value questionnaire and consumption decision-making style questionnaire, 249 college students in a provincial normal university were investigated. The results showed that the entertainment orientation of consumption decision-making style was significantly different among the only child (t=2.25; p<0.05); There was a significant difference in the monthly cost of habitual brand orientation (F=2.88; p<0.05); College students’ family financial education methods were correlated with their consumption values (r=0.22; p<0.01), consumption decision-making style (r=0.27; p<0.01), and college students’ consumption values were significantly positively correlated with consumption decision-making style (r=0.50; p<0.01) . Consumer values played a partial mediating role in the relationship between college students’ family financial education style and consumption decision-making style (indirect effect value =0.22; SE = 0.05). Therefore, college students’ family financial education affects the consumption decision-making style, and part of the influence is through the consumption values. 本研究旨在考察大学生家庭理财教育方式与消费决策风格之间的关系，以及消费价值观在其中的中介作用。通过采用家庭理财教育方式问卷、消费价值观问卷以及消费决策风格问卷对某省属师范院校的 249 名大学生进行调查。结果显示消费决策风格中的娱乐导向在是否独生子女中存在显著差异（t=2.25；p<0.05）；习惯品牌导向在月花费上存在显著差异（F=2.88；p<0.05）；大学生家庭理财教育方式分别与其消费价值观（r=0.22；p<0.01）、消费决策风格（r=0.27；p<0.01）存在显著正相关，且大学生消费价值观与消费决策 格（r=0.50；p<0.01）之间也存在显著正相关；消费价值观在大学生家庭理财教育方式与消费决策风格之间 起部分中介作用（间接效应值=0.22；SE=0.05）。因此家庭理财教育方式影响着消费决策风格，且部分影响通过消费价值观起作用。
• DOI: https://doi.org/10.35534/pc.0305083
• Cite: 李美华，陈华．家庭理财教育方式与大学生消费价值观、消费决策风格的关系［J］．中国心理学前沿，2021，3（6）：692- 700.