Ipoteza ciclului de viață (LCH)
Ce este ipoteza ciclului de viață (LCH)?
Ipoteza ciclului de viață (LCH) este o teorie economică care descrie netezească consumul pe tot parcursul vieții împrumutând atunci când veniturile lor sunt mici și economisind atunci când veniturile lor sunt mari.
Chei de luat masa
- LCH este o teorie economică dezvoltată la începutul anilor 1950.
- Teoria susține că oamenii își planifică cheltuielile pe tot parcursul vieții, luând în considerare veniturile viitoare.
- Un grafic al LCH arată un model în formă de cocoașă de acumulare a bogăției, care este scăzut în timpul tinereții și bătrâneții și ridicat la vârsta mijlocie.
LCH presupune că indivizii își planifică cheltuielile pe toată durata vieții, ținând cont de veniturile viitoare. În consecință, își iau datorii când sunt tineri, presupunând că veniturile viitoare le vor permite să o achite. Apoi economisesc în timpul vârstei medii pentru a-și menține nivelul de consum atunci când se pensionează. Un grafic al cheltuielilor suplimentare ale unui individ arată astfel un model în formă de cocoașă în care acumularea de avere este scăzută în tinerețe și bătrânețe și ridicată în timpul vârstei medii.
Life-Cycle Consumption Theory Visualized
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Life-Cycle Consumption Theory Visualized
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