对过去30年的心理账户研究按照其不同的研究角度进行分类梳理:心理账户的类型、运算规则、行为主体、实际应用。其中对心理账户的类型按照资金来源、大小、用途等进行分类。文献中的理论研究国外学者居多,而国内学者拓展其实际应用较多,但理论方面并无实质性创新。 In the past 30 years, the research on the psychological accounts is classified according to their different research perspectives: the types of psychological accounts, operational rules, actors, and practical applications. Which the type of psychological account in accordance with the source of funding, size, purpose and other classification. Most of the scholars in the literature have studied abroad, while many domestic scholars have expanded their practical applications. However, there is no substantive innovation in theory.