3-8 跨时消费机会集 s120,000 另外一个能的选择是现在消 费$60000把剩余的资金 s100,000 $3500资到金融市场;明 年可以消费$38,500 s80,000 s60,000 s40,000 3850$35000(410 s20,000 s20,000 s40,000 s60,000 s80,000 s100,000 s120,000 今天的消费. 3-8 跨时消费机会集 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 另外一个能的选择是现在消 费$60,000；把剩余的资金 $35,000投资到金融市场；明 年可以消费 $38,500。 1 $38,500 = $35,000(1.10) $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 t+1时刻的消费 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 今天的消费