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A jelen felé torzított preferenciák. A türelmetlenségből eredő fogyasztási döntések okai, megnyilvánulásai és következményei
[The causes, manifestations and consequences of consumption decisions resulting from impatience due to present-biased preferences]

Author

Listed:
  • Kovács, Kármen

Abstract

A fogyasztási döntések gyakran az egyének türelmetlenségéből erednek, amikor viszonylag nagyobb súlyt tulajdonítanak a jelennek, mint bármely későbbi időpontnak. A tanulmány célja a jelenség okainak, megnyilvánulásainak és következményeinek vizsgálata. A jelen felé torzító hatást többek között előidézheti a fogyasztók referenciapontjában bekövetkező változás, amely összefüggésben állhat az új termékek egyre sűrűbb piaci megjelenésével és a társadalmi státusért való rivalizálással - ugyanakkor belső konfliktussal is együtt jár. A türelmetlenségből eredő fogyasztási döntésnek túlköltekezés, eladósodás, valamint a megtakarítási és jóléti szint csökkenése lehet a következménye - mindez nemcsak az egyén számára, hanem makrogazdasági szempontból is fontos problémát jelenthet. A hiperbolikusan diszkontált hasznossági függvény általános alakját kiegészítve elemezzük a fogyasztói hasznosság áramait különböző vásárlási körülmények esetében. Ennek során számításba vesszük a türelmetlenség különböző fokait, valamint a vásárolt javak jellegét, funkcionális és szimbolikus hasznosságát, valamint a vásárlás finanszírozásának módját (készpénzes vagy hitel) is.* Journal of Economic Literature (JEL) kód: D91.

Suggested Citation

  • Kovács, Kármen, 2020. "A jelen felé torzított preferenciák. A türelmetlenségből eredő fogyasztási döntések okai, megnyilvánulásai és következményei [The causes, manifestations and consequences of consumption decisions re," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(1), pages 31-53.
    • Handle: RePEc:ksa:szemle:1883
    DOI: 10.18414/KSZ.2020.1.31
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    References listed on IDEAS

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    JEL classification:

    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making

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