中文摘要：

梳理了从消费者行为学角度研究储蓄和消费问题的渊源和研究方法，对该领域的影响储蓄和消费行为的因素进行了讨论总结，最后对该领域的未来研究提出若干设想。

英文摘要：

This paper first reviews the history and research methodology to study saving and spending in this area. Then the factors influencing spending and saving behavior discussed from this perspective is summarized. At the end, it further dis- cusses the implication and future research direction.