时间偏好理论
- 网络time preference theory
时间偏好理论-
时间偏好理论认为，现在消费和未来消费存在相互替代的关系，时间价值的存在使得人们更加倾向于现在消费。
Time-favor theory is that there is substitution effect between present consumption and future consumption , and the existence of time value makes people incline to consume now .
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而后追根溯源，阐释了消费信贷的经济学理论基础，即时间偏好理论、生命周期假说和持久性收入假说。
Then , tracing to its source , explains the economics theoretical foundation of the consumer credit , that is , time-favor theory , life-cycle hypothesis and permanent-income theory .