关键词: 习惯形成, 心理账户, 消费

Abstract: 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.

Key words: Habit Formation, Mental Account, Consumption