生命周期个人拓展消费的优化研究

随着我国经济社会的发展,人们的消费水平和消费层次也在逐步提高,消费领域在不断扩展,因而提出拓展消费这一新的概念。同时改变现有的在研究消费效用最大化时对周期阶段划分的方法,把拓展消费的生命周期划分为三个阶段。借以引入各阶段倾向的效用模型,并运用多阶段最优动态规划和变分法原理来探讨完全行为个人整个生命周期谋求拓展消费效用最大化时各阶段的最优消费解。通过研究,得出了在次优消费解的选择下,得以实现现实最优构成的结论。

Research of optimization on personal expandable consumption during the life period

With the development of our economy and society,people's consumption standard is steadily improved and consumption field is increasingly expanded,hence we put farward a new concept-expandable consumption.We change previous methods on phase partition of the life cycle by researching the opitimization of the utility of consumption,divide it into three phases and get the second acceptable choice into phase consumprion of the optimization of personal expandable consumption during the life period.Measures are applied including the opitimization principle and alterable calculous method by using phase utility model in the exploring process. By synthetic research,finally,we draw a conclusion of the optimizition in reality.