The purpose of the paper is to identify the dimensions of the strategy of resources allocation of Polish households members and test the hypothesis concerning risky shift effect in the relationship between strategy of family decision making and trade-off in family scarce resources allocation. These dimensions were identified on the basis of nationwide empirical data gathered on a representative sample of 1020 respondents nested in 410 households. SEM-Tree hybrid models are used in the analysis of the results, which combine the confirmatory structural equation models with exploratory and predictive classification and regression trees. This allows to apply structural modeling for the study of heterogeneous populations and to assess the hierarchical impact of exogenous predictors on the identification of segments with separate and unique model structural parameters. The approach combines the advantages of a model approach (at the stage of constructing hypotheses on structural relationships and specifications of measurement models) and exploration-based data (at the stage of recursive division of the sample).

本文旨在确定波兰家庭成员资源分配策略的维度，并检验关于家庭决策策略与家庭稀缺资源分配的权衡关系中的风险转移效应的假设。这些维度是根据全国经验数据确定的，该数据是从410个家庭中1020名受访者的代表性样本中收集的。SEM-Tree混合模型用于结果分析，将验证性结构方程模型与探索性和预测性分类以及回归树相结合。这允许将结构建模应用于研究异质种群，并评估外源预测变量对识别具有单独且独特的模型结构参数的段的层次影响。该方法结合了模型方法（在构造关于结构关系和度量模型的假设的阶段）和基于探索的数据（在样本递归划分的阶段）的优势。