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Likviditási korlát és fogyasztói türelmetlenség. A magyar háztartások fogyasztási és megtakarítási döntéseinek empirikus vizsgálata
[The liquidity constraint and consumer impatience. An empirical examination of consumption and saving decisions by Hungarian households]

Author

Listed:
  • Árvai, Zsófia
  • Tóth, István János

Abstract

A tanulmány a magyar háztartások megtakarítási és fogyasztási hajlandóságát elemzi háztartási felvételek és makroadatok alapján. Áttekinti a háztartások fogyasztási és megtakarítási döntéseit befolyásoló tényezőket, majd definiálja a pénzügyileg releváns háztartások csoportját, és meghatározza e csoport fontosabb jellemzőit. Egy, a magyar háztartások körében végzett adatfelvétel alapján vizsgálja a permanensjövedelem-hipotézis magyarországi érvényességét, a háztartások eladósodási hajlandóságát és e hajlandóságra ható tényezőket. Megállapítja, hogy a magyar háztartások eladósodása várhatóan erőteljesen növekszik a közeljövőben. Kimutatja, hogy a rövid távú jövedelmi várakozások alakulása pozitív hatással van az eladósodási hajlandóságra, de ugyanennyire fontos az iskolai végzettség szerepe. A háztartások kedvező rövid és hosszú távú jövedelmi várakozásai ceteris paribus az eladósodási (és ezzel a fogyasztási) hajlandóság növekedését jelzik ma Magyarországon. A szerzők a háztartások eladósodásának növekedését elsősorban a likviditási korlát oldódásával magyarázzák.

Suggested Citation

  • Árvai, Zsófia & Tóth, István János, 2001. "Likviditási korlát és fogyasztói türelmetlenség. A magyar háztartások fogyasztási és megtakarítási döntéseinek empirikus vizsgálata [The liquidity constraint and consumer impatience. An empirical e," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1009-1038.
  • Handle: RePEc:ksa:szemle:492
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    References listed on IDEAS

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    More about this item

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
    • D84 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Expectations; Speculations
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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