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    Household saving motives : a cross-country comparison

    Yao, Rui
    Wang, Feifel
    Weagley, Robert O.
    Liao, Li
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    [PDF] HouseholdSavingMotives.pdf (260.7Kb)
    Date
    2011
    Format
    Postprint
    Article
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    Abstract
    Using the 2008 Survey of Chinese Consumer Finance and Investor Education and the 2007 Survey of Consumer Finances, this study compared saving motives between Chinese and American urban households. Results showed that, compared with their American counterparts, Chinese households were more likely to report precautionary and education saving motives; and Chinese households with lower incomes were more likely to report a retirement saving motive. Chinese households' stronger motivation to save serves as an explanation of the greater saving rates in China, compared to the United States. The results have implications for policy makers, financial professionals and consumer finance researchers.
    URI
    https://hdl.handle.net/10355/62743
    Citation
    Original: Yao, R., Wang, F., Weagley, R. O., & Liao, L. (2011). Household saving motives: Comparing American and Chinese consumers. Family and Consumer Sciences Research Journal, 40(1), 28-44.
    Rights
    OpenAccess.
    This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.
    Collections
    • Personal Financial Planning faculty publications and presentations (MU)
    • Faculty Research, Scholarship, and Creative Works (MU)
    • Yao, Rui publications (MU)

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