基于中国家庭发展追踪调查数据,运用家庭生命周期理论,通过不同家庭生命历程的消费差异分析,发现:第一阶段(单身阶段)是房租消费最旺盛的阶段;第二阶段(新婚阶段)是服装和旅游消费最旺盛的阶段;第三阶段(育幼阶段)是食物等日常消费+教育消费+人情往来最旺盛的阶段;第四阶段(家庭收缩阶段)是家庭总体消费最旺盛的阶段;第五、六阶段(即空巢和独居阶段)是医疗服务消费和家庭内财富重新分配相对旺盛的阶段。 Based on the data of China’s household development follow-up survey and household consumption cycle analysis, the author finds out that the first stage (single stage) is the stage with the strongest rent consumption and the second stage (the stage of new marriage) is clothing And the most prosperous stage of tourism consumption; the third stage (fertility stage) is the food and other daily consumption + education and consumption + the most exuberant human contact; the fourth stage (family contraction stage) is the family’s most expensive stage of consumption; The fifth and sixth phases (ie empty nesters and solitary phases) are a period of relatively strong consumer spending and redistribution of wealth within the home.