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从福利经济学的角度出发,在任何社会制度下,评价利率体系是否合理的标准都应该是消费者效用,在这里消费者也是存款者。本文对三种存贷款利率体系进行考察。通过模型分析,考虑参数值,对三种存贷款利率体系状态下的消费者(存款者)效用进行比较,从而选择出最有利于消费者的利率体系。 由于任何经济现象,不仅错综复杂,而且变化多端,所以任何模型,必须运用科学的抽象法,舍弃一些影响较小的因素或变量,而只考虑一个或若干个主要变量。下面我来考虑两期间(现有期,将来期)一种商品的模型。在这种模式中,只有一个消费者(存款者),一个企业(借款者)及一个作为金融中介的银行存在,存款利率用rd,贷款利率用r来表示。为了
From a welfare economics point of view, under any social system, the criteria for evaluating the reasonableness of the interest rate system should be consumer utility, where consumers are also depositors. This article examines the three deposit and loan interest rate system. Through model analysis, considering the parameter values, we compare the utility of the consumers (depositors) under the three deposit-loan interest rate system states to select the most favorable interest rate system for consumers. Because any economic phenomenon is not only complex and varied, any model must use scientific abstraction to discard some of the less influential factors or variables and only consider one or several major variables. Let’s consider a model of a product during both periods (current and future). In this model, there is only one consumer (depositor), one enterprise (borrower) and one bank as a financial intermediary. The deposit interest rate is rd and the loan interest rate is expressed as r. in order to