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Scenes from the Department of Human Development and Family Studies

Jing Jian Xiao

Department of Human Development and Family Studies



Ph.D., Consumer Economics, Oregon State University, 1991

M.S., Economics, Zhongnan University of Economics and Law, China, 1986

B.S., Economics, Zhongnan University of Economics and Law, China, 1982


Curriculum Vita (PDF)


Teaching Assignments

Consumer economics, personal finance, consumer protection, graduate professional seminar.


Research Interests

Family financial wellbeing, consumer financial capability, consumer financial behavior, money and happiness, sustainable consumer behavior, financial development of young adults, Chinese consumer behavior.


Selected Professional Services

Editor, Journal of Financial Counseling and Planning

Editor, International Series on Consumer Science (a book series)


Selected Invited Presentations

7/07 - Overview of Asian Americans, presentation made for a workshop on Financial Education to Asian Americans, U.S. Department of Treasury.


7/07 - The poor pay more: A case in the credit card market, presentation in a policy brief on Capital Hill, Washington, DC.


10/08 - Discussion leader on behavior theory applications, U.S. Treasury Department Financial Education Research Symposium, Washington, DC.


9/09 - Keynote speaker, Financial Behavior of Americans: Implications for China. The 1st China Forum on Consumer Finance, Tsinghua University.


8/10 - Financial behavior team leader presentation at a colloquium sponsored by National Endowment for Financial Education, Denver, CO.


10/10 - Consumer financial research, presentation at Tsinghua University and Renmin University of China, Beijing, China.


5/11 - Consumer protection in financial services. Panel presentation, the 5th China Consumer Finance Forum, Tsinghua University.


9/11 - Consumer financial behavior, education and well-being. Keynote speech at the 2nd China

Research Forum on Consumer Finance jointly sponsored by Economic Research (the top economics journal in China) and China Financial Research Center of Tsinghua University.


6/13 - Consumer economics. Special topic seminars to Ph.D. students of college of business administration, Renmin University of China, Beijing.


11/13 - Children’s new media use and well-being. Keynote speech at the International Forum on Children Among China, the US, Japan, and South Korea: New Media and Children's Education, China Youth and Research Center, Beijing.


11/13 - Take control of your money and life. Panel presentation to undergraduate students at University of Rhode Island, sponsored by College of HSS and Department of HDFS.


Selected Books

Garman, T. E., Xiao, J. J., Brounson, B. (editors). (2003). The mathematics of personal finance: Using computer and calculator (3rd ed.). Cincinnati: Thompson Learning.


Xi, J., Sun, Y., & Xiao, J. J. (editors) (2006). Chinese youth in transition. Hampshire, England: Ashgate.


Xiao, J. J. (2008). (editor). Handbook of consumer finance research. New York: Springer.


Selected Book Chapters


Xiao, J. J. (2008). Applying behavior science theories in financial behaviors. In J. J. Xiao (ed.). Handbook of consumer finance research (pp69-81). New York: Springer.


Xiao, J. J., & Ying, B. (2008). Sustainable consumption in China: Role of Chinese consumers. In M. O’Donoghue (ed.). Global sustainable development: A challenge for consumer citizens. (Ebook). Lucerne, Switzerland: IFHE.


Xiao, J. J., Serido, J., & Shim, S. (2012). Financial education, financial knowledge, and risky credit behaviour of college students. In D. Lamdin (ed.). Financial decisions across the lifespan: Problems, programs, and prospects. New York: Springer.


Xiao, J. J. (2012). Family economic well-being. In G. W. Peterson & K. R. Bush (eds.). Handbook of marriage and the family (3rd ed.). New York: Springer.


Xiao, J. J. (2014). Money and happiness: Implications for investor behavior. In H. Kent Baker and Victor Ricciardi (eds.). Investor behavior: The psychology of financial planning and investing (pp153-170). Hoboken, NJ: John Wiley & Sons, Inc.


Xiao, J. J. (Forthcoming). Sustainable consumption and life satisfaction. A. C. Michalos (ed.). Encyclopedia of quality of life research. New York: Springer.


Selected Journal Papers


Xiao, J. J., O’Neill, B., Prochaska, J., Kerbel, C, Brennan, P., & Bristow, B. (2004). A consumer education program based on the Transtheoretical Model of Change. International Journal of Consumer Studies, 28(1), 55-65.


Xiao, J. J., Newman, B. M., Prochaska, J. M., Leon, B., Bassett, R., & Johnson, J. L. (2004). Applying the transtheoretical model of change to debt reducing behavior. Financial Counseling and Planning, 15(2), 89-100.


Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2006). Financial behavior of consumers in credit counseling. International Journal of Consumer Studies. 30(2), 108-121.


Xiao, J. J., & Wu, J. (2008). Completing debt management program in credit counseling: An application of the theory of planned behavior. Financial Counseling and Planning, 19(2), 29-45.


Wang, J., & Xiao, J. J. (2009). Buying behavior, social support, and credit card indebtedness of college students. International Journal of Consumer Studies, 33, 2-10.


Xiao, J. J., Tang, C., & Shim, S. (2009). Acting for happiness: Financial behavior and life satisfaction of college students. Social Indicator Research, 92, 53-68.


Guo, L., Xiao, J. J., & Tang, C. (2009). Understanding the psychological process underlying customer satisfaction and retention in a relational service. Journal of Business Research, 62, 1152-1159.


Shim, S., Xiao, J. J., Barber, B., & Lyons, A. (2009). Pathway to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30, 708-723.


Lai, C., & Xiao, J. J. (2010). Consumer biases and competences in company stock holding. Journal of Consumer Affair, 44(1), 179-212.


Shim, S., Barber, B., Card, N., Xiao, J. J., & Serido, J. (2010). Financial socialization of first-year college students: The roles of parents, work, and education. Journal of Youth and Adolescence. 39, 1457-1470.


Xiao, J. J., Ford, M. E., & Kim, J. (2011). Consumer financial behavior: An interdisciplinary review of selected theories and research. Family and Consumer Science Research Journal, 39(4), 399-414.


Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59.


Xiao, J. J., & Li, H. (2011). Sustainable consumption and life satisfaction. Social Indicators Research, 104(2), 323-329.


Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing, 30(2), 239-245.


Sun, F., & Xiao, J. J. (2012). Perceived social policy fairness and subjective well-being. Social Indicators Research, 107(1), 171-186.


O’Neill, B, & Xiao, J. J. (2012). Financial behaviors before and after the financial crisis: Evidence from an online survey. Journal of Financial Counseling and Planning, 23(1), 33-46.


Xiao, J. J., & Yao, R. (2014). Consumer debt delinquency by family lifecycle categories. International Journal of Bank Marketing, 32(1), 43-59.


Serido, J., Shim, S., Xiao, J. J., Tang, C., & Card, N. (forthcoming). Financial adaptation among young adults: Helping students cope with financial strain. Journal of College Student Development.


Xiao, J. J., Chen, C., & Chen, F. (forthcoming). Consumer financial capability and financial satisfaction. Social Indicators Research. Online First. Doi: 10.1007/s11205-013-0414-8


Yao, R., Xiao, J. J., & Liao, L. (forthcoming). Effects of age on saving motives of Chinese Urban consumers. Journal of Family and Economic Issues.


Liao, L., & Xiao, J. J. (forthcoming). Consumer finance and social indicators in China. Social Indicators Research.