Using a dual-process framework, the aim of this research was to investigate the associations between reflective and impulsive processes and saving behavior. Self-control and saving habit were tested as additional factors that potentially moderate the relationship between constructs representing reflective and impulsive processes and behavior, or exert indirect effects on behavior through these systems. A community sample of 594 participants completed measures of saving intention, buying impulsiveness, trait self-control, saving automaticity, and propensity to save money. A well-fitting variance-based structural equation model, goodness-of-fit index = 0.338, average path coefficient = .119, p < .001, accounted for statistically significant amounts of variance in the key dependent variables: intention to save, R2 = .364, buying impulsiveness, R2 = .232, and saving behavior, R2 = .173. Self-control and saving habit were indirectly related to saving behavior through intention, and buying impulsiveness was directly related to behavior when saving habits were low. Findings indicate strong saving habits may help to protect against impulsive spending and offer several targets for interventions aimed at improving saving behavior.

中文翻译：

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储蓄行为背后的反思和冲动过程以及自我控制和习惯的额外作用。

使用双过程框架，本研究的目的是调查反思和冲动过程与储蓄行为之间的关联。自我控制和储蓄习惯作为额外因素进行了测试，这些因素可能会缓和代表反思和冲动过程和行为的结构之间的关系，或者通过这些系统对行为产生间接影响。一个由594名参与者组成的社区样本完成了储蓄意愿、购买冲动、特质自我控制、储蓄自动性和储蓄倾向的测量。一个拟合良好的基于​​方差的结构方程模型，拟合优度指数 = 0.338，平均路径系数 = .119，p < .001，在关键因变量中解释了统计上显着的方差：储蓄意愿，R2 = .364，购买冲动，R2 = .232，储蓄行为，R2 = .173。自我控制和储蓄习惯通过意向与储蓄行为间接相关，购买冲动与储蓄习惯低时的行为直接相关。调查结果表明，强烈的储蓄习惯可能有助于防止冲动消费，并为旨在改善储蓄行为的干预措施提供若干目标。