Dr. Jing Jian Xiao's Research Interests and Selected Papers
Comparing consumer behaviors between Chinese and Americans
Personal Financial Education
Retirement saving behavior
Household saving and investing behavior
Family business behavior
Chinese consumer behavior
Credit card behavior
Division of labor in the household
Women's labor force participation
Low income consumer's information search
2003. Applying Transtheoretical Model of Change to debt behavior (with Newman, Prochaska, Leon, and Bassett). Working paper.
2003. Voice of debt troubled consumers: A theory-based qualitative inquiry. (with Newman, Prochaska, Leon, and Bassett). Working paper.
Comparing Consumer Behaviors between Chinese and Americans
2002. A comparison of saving motives of urban Chinese and American workers (with Fan). Family and Consumer Science Research Journal, 30(4), 463-495.
1998. Student attitudes towards free market: China and the United States compared (with J. X. Fan & Y. Xu). In J. Zhang and X. Li (eds.). Social Transition in China. Lanham, MD: University Press of America.
2003. A consumer education program based on the Transtheoretical Model of Change (with O’Neill, Prochaska, Kerbel, Brennan, and Bristow). International Journal of Consumer Studies.
2000. Successful financial goal attainment: Perceived resources and obstacles (with O’Neill, Bristow, Brennan, and Kerbel). Financial Counseling and Planning, 11(1), 1-12.
1999. Asset allocation in defined contribution pension plans and private savings. Report to U. S. Department of Labor Welfare and Employment Benefits Administration.
1999. Sources of income inequality among the elderly (with L. Malroutu and Y. Yuh). Financial Counseling and Planning, 10(2), 49-59.
1998. 401(k) plan contributions: Do plan features or employee preferences matter? U.S. Department of Labor.
1997. Saving motives and 401(k) contributions. Financial Counseling and Planning. 8(2), 65-74.
1997. Income sources before and after retirement: Implications for retirement planning (with J. G. Anderson). Proceedings of Association for Financial Counseling and Planning Education (pp112-120).
1995. Perceived retirement income adequacy (with L. Malroutu). Financial Counseling and Planning. 6: 17-23.
1994. Saving motives and saving behavior of the elderly (with L. Malroutu). Consumer Interests Annual. (pp.156-163).
Household saving and investing behavior
2000. Who wants to be a millionaire: Can low income households invest their way to wealth? (with S. Hanna, L. Malroutu, and S. Lindamood). Proceedings of the Alternative Perspectives On Finance Conference, Fifth Biennial Conference, Dundee, Scotland, July 2000.
1997. Hierarchical financial needs reflected by household financial asset shares (with J. G. Anderson). Journal of Family and Economic Issues.
1997. Family cheque accounts and banking deregulation in the US (with L. Malroutu & G. I. Olson). Journal of Consumer Studies and Home Economics, 21, 25-39.
1996. Effects of family income and life cycle stages on financial asset ownership. Financial Counseling and Planning, 7, 21-30.
1995. Patterns of household asset ownership. Financial Counseling and Planning. 6: 99-106.
1995. Household financial asset ownership: Is there a sequence? Proceedings of Academy of Financial Services.
1995. Determinants of family bond and stock holdings (with L. X. Zhong). Financial Counseling and Planning. 6: 107-114.
1994. Perceived saving motives and hierarchical financial needs (with F. E. Noring). Financial Counseling and Planning. 5, 25-44.
1993. Mental accounting and saving behavior (with G. I. Olson). Home Economics Research Journal. 22(1): 92-109.
2001. Attitudes toward risks and risk-taking behavior of business owning families (with M. J. Alhabeeb, G. S. Hong, and G. W. Haynes). Journal of Consumer Affairs, 35, 307-325.
1999. Capital access of American family businesses: Does owner's gender matter? (with G. W. Haynes). In Proceedings of Asian Consumer and Family Economics Association, Seoul, Korea.
1999. Worker responses to Chinese pension system reform: Differences in enterprise types (with Y. Xu and L. Peng). In Proceedings of Asian Consumer and Family Economics Association, Seoul, Korea.
1999. Worker responses to Chinese pension system reform (with S. Song and Y. Xu). International Journal of Economic Development. 1(4), Abstract in html file, Paper in html file.
1999. Postmaterist value in China (with H. Li, D. Sharpe, and M. Abdel-Ghany). In Proceedings of Asian Consumer and Family Economics Association, Seoul, Korea.
1999. Chinese consumer types (with H. Li). Journal of Consumer Studies and Home Economics.
1998. Opportunities for Consumer education in China. Journal of Consumer Education, 16, 19-25.
1998. Decision-making styles of young-adult Chinese consumers (with J. X. Fan and Y. Xu). Journal of Consumer Affairs.
1997. Chinese consumer movement. In Encyclopedia of the consumer movement (pp104-109). Santa Barbara, CA: ABC-CLIO.
1995. Consumer issues and consumer protection in Asia (with R. Widdows, G. Hong, G., M. Higa, H. Tso, & L. Malroutu, L). Advancing the Consumer Interest. 7(1): 12-17.
1995. Factors associated with seafood purchases among urban Chinese households. In The 1995 Proceedings of Asian Consumer and Family Economics Association. pp. 25-34.
1997. College students and credit cards: Do attitudes affect behavior? (with F. E. Noring & J. G. Anderson). Journal of Consumer Education, 15,25-35.
1995. Credit card attitudes of college students (with F. E. Noring & J. G. Anderson). Journal of Consumer Studies and Home Economics, 19: 155-174.
Division of labor in the household
1996. Effects of relative advantage gaps on time use of farm families (with G. I. Olson). Journal of Family and Economic Issues.
Women's labor force participation
1999. Effects of child spacing and timing on mother's labor force participation (with C. Miller). Atlantic Economic Journal.
1991. Effects of children on single mother's labor force participation. Proceedings of the 37th Annual Conference of American Council on Consumer Interests. pp.1-7.
Low Income Consumer's Information Search
1995. Factors associated with free food recipient's information search (with L. Malroutu & G. I. Olson). Family and Consumer Science Research Journal, 23(4): 409-429.
1991. Characteristics of hungry people's search for food help information (with G. I. Olson). Journal of Home Economics. Fall, pp. 11-16.
updated by 12/6/03