在讨论我国居民消费增长缓慢原因的研究成果中,关于“阶段性消费”行为特征的研究是引人关注的。已有的研究建立了“阶段性消费”的消费函数模型并进行了相关的论证。本文在已有研究的基础上,提出了“攀比性”消费心理有可能影响消费者对其“阶段性消费”目标的偏好及效用评价的观点,并建立了相应的函数模型进行解析与论证。研究证明“攀比性”消费心理会驱使中低收入群体设立过高的“阶段性消费”目标,从而促使其储蓄倾向上升,消费倾向下降。而这可能成为导致我国居民消费增长缓慢的原因之一。 In discussing the research results of the slow growth of household consumption in our country, the research on the behavioral characteristics of “stage consumption ” is of concern. The existing research has established the consumption function model of “stage consumption ” and carried on the related argument. Based on the existing research, this paper puts forward the viewpoints that the “comparisons” of consumer psychology may affect consumers’ preferences and utility evaluation of their “phased consumption” goals and establish the corresponding function model Analysis and demonstration. Studies have shown that “compassionate” consumer psychology will drive the middle and low income groups to set excessive “phased consumption” goals, thus promoting their propensity to save and the propensity to consume declines. This may be one of the reasons for the slow growth of household consumption in our country.