Central to the field of consumer finance is that consumers make financial decisions that do not always coincide with the financial decisions ideally depicted in optimal economic models. In this review, we discuss developments in the field of household finance, focusing on how consumers make suboptimal financial decisions across different types of settings and factors that affect their decisions. Rather than conducting a comprehensive survey, we focus specifically on consumer choice in the context of research on credit card borrowing, housing and mortgage debts, investment and savings decisions, and spending and consumption. We also discuss financial product design and marketing, as well as the regulatory landscape of lenders of consumer financial products. We present five future research directions and considerations for researchers and policymakers.

中文翻译：

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是什么塑造了消费者选择和金融产品？回顾

消费金融领域的核心是消费者做出的金融决策并不总是与最优经济模型中理想描述的金融决策一致。在这篇评论中，我们讨论了家庭金融领域的发展，重点关注消费者如何在不同类型的环境和影响其决策的因素中做出次优的财务决策。我们没有进行全面的调查，而是在信用卡借贷、住房和抵押债务、投资和储蓄决策以及支出和消费的研究背景下专门关注消费者的选择。我们还讨论了金融产品设计和营销，以及消费金融产品贷方的监管环境。