human development and family studies

Transition Center, 2 Lower College Road, Kingston, RI 02881

– 401.874.2150 (ph); 401.874.4020 (f)

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Jing Jian Xiao

  • Professor
  • Transition Center, Rm 202
  • Phone: 401.874.2547
  • Email:


Dr. Jing Jian Xiao is Professor of Family Finance in the Department of Human Development and Family Studies at University of Rhode Island, teaching courses and conducting research in consumer economics and personal finance. He edited and contributed to books such as The Mathematics of Personal Finance and Handbook of Consumer Finance Research. He is the editor-in-chief of Journal of Financial Counseling and Planning, the official research journal of Association for Financial Counseling and Planning Education. He is also editing a book series entitled International Series on Consumer Science. He served as the president of American Council on Consumer Interests, president of Asian Consumer and Family Economics Association, the board member of National Consumer League, among others. He served as consultant and guest speaker for several financial literacy projects sponsored by the U.S. Department of Treasury and National Endowment for Financial Education. He has been invited to give lectures on consumer financial behavior research in China, Japan, South Korea, Taiwan, and other countries/areas. He received his Ph.D. in consumer economics from Oregon State University and M.S. and B.S. in economics from Zhongnan University of Economics and Law.


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


  • Ph.D., Consumer Economics, Oregon State University, 1991
  • M.S., Economics, Zhongnan University of Economics and Law, 1986
  • B.S., Economics, Zhongnan University of Economics and Law, 1982



Xiao, J. J. (2015). Consumer economic wellbeing. New York: Springer.

Xiao, J. J. (editor) (forthcoming). Handbook of consumer finance research (2nd ed.). New York: Springer.

Journal Papers

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. (2014). Financial adaptation among college students: Helping students cope with financial strain. Journal of College Student Development, 55(3), 310-316.

O’Neill, B, & Xiao, J. J. (2014). Post-recession, post-legislation credit use: Insights from an online survey. Journal of Personal Finance, 13(1), 65-76.

Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415-432.

Xiao, J. J., Chatterjee, S., & Kim, J. (2014). Factors associated with financial independence of young adults. International Journal of Consumer Studies, 38, 394-403.

Xiao, J. J., Ahn, S., Serido, J., & Shim, S. (2014). Earlier financial literacy and later financial behavior of college students. International Journal of Consumer Studies, 38(6), 593-601.

Yao, R., Xiao, J. J., & Liao, L. (2015). Effects of age on saving motives of Chinese urban consumers. Journal of Family and Economic Issues, 36(2), 224-238.

Xiao, J. J., Chen, C., & Sun, L. (2015). Age differences in consumer financial capability. International Journal of Consumer Studies, 39(4), 387-395.

O’Neill, B., & Xiao, J. J. (forthcoming). Payday loan, state law, and financial capability. Journal of Financial Service Professionals.

Download Curriculum Vitae (PDF)

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