{"id":5172,"date":"2023-01-16T11:25:16","date_gmt":"2023-01-16T03:25:16","guid":{"rendered":"https:\/\/fanyuzhao.com\/?p=5172"},"modified":"2023-01-17T14:36:09","modified_gmt":"2023-01-17T06:36:09","slug":"__trashed","status":"publish","type":"post","link":"https:\/\/fanyuzhao.com\/?p=5172","title":{"rendered":"\u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5 &#8211; \u9ad8\u5584\u6587\u7ecf\u6d4e\u89c2\u5bdf"},"content":{"rendered":"\n<ul><li>1. \u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5<\/li><li>2. \u4e0d\u4e00\u6837\u7684\u623f\u5730\u4ea7\u6ce1\u6cab<\/li><li>3. \u5b89\u5168\u4e0e\u53d1\u5c55\uff1a\u4f30\u503c\u7ed3\u6784\u53d8\u5316<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5<\/h2>\n\n\n\n<p>\u56de\u987e\u8fd9\u4e09\u5e74\u7684\u75ab\u60c5\uff0c\u5e94\u8be5\u8bf4\u7ed9\u7ecf\u6d4e\u548c\u793e\u4f1a\u751f\u6d3b\u7559\u4e0b\u4e86\u5f88\u591a\u7684\u4f24\u75a4\uff0c\u6709\u4e00\u4e9b\u75a4\u75d5\u6216\u8005\u662f\u4f24\u75a4\uff0c\u4e3b\u8981\u662f\u5728\u4f4f\u6237\u90e8\u95e8\u5728\u5f88\u591a\u7684\u4f01\u4e1a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\uff0c\u4e3b\u8981\u7684\u95ee\u9898\u662f\u5728\u8fc7\u53bb\u51e0\u5e74\uff0c\u7ecf\u6d4e\u6d3b\u52a8\u90fd\u4e0d\u80fd\u591f\u6b63\u5e38\u7684\u5c55\u5f00\uff0c\u6536\u5165\u7684\u4e0d\u7a33\u5b9a\u6027\uff0c\u7a7a\u524d\u7684\u5927\u6536\u5165\u7684\u589e\u901f\u8ddf\u75ab\u60c5\u4e4b\u524d\u76f8\u6bd4\uff0c\u603b\u4f53\u4e0a\u4e5f\u7ecf\u5386\u4e86\u6bd4\u8f83\u660e\u663e\u7684\u4e0b\u964d\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\uff0c<strong>\u4f4f\u6237\u548c\u4e0d\u5c11\u4f01\u4e1a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u53d7\u5230\u4e86\u4e0d\u5c0f\u7684\u635f\u5bb3\uff0c\u6743\u76ca\u79d1\u76ee\u51fa\u73b0\u4e86\u4e00\u5b9a\u7684\u95ee\u9898<\/strong>\uff0c\u800c\u8fd9\u6837\u7684\u95ee\u9898\u6beb\u65e0\u7591\u95ee\u6b63\u5728\u5e76\u4e14\u5728\u672a\u6765\u9700\u8981\u82b1\u4e00\u4e9b\u65f6\u95f4\u53bb\u8fdb\u884c\u4fee\u590d\u3002<\/p>\n\n\n\n<p>\u75ab\u60c5\u7ed9\u4e00\u822c\u6c11\u4f17\u7684\u5fc3\u7406\u4e5f\u591a\u5c11\u7559\u4e0b\u4e86\u4e00\u4e9b\u4f24\u75a4\u6216\u8005\u662f\u4e00\u4e9b\u75a4\u75d5\uff0c\u5927\u5bb6\u5bf9\u4e8e\u98ce\u9669\u7684\u5bb9\u5fcd\u548c\u627f\u53d7\u80fd\u529b\u76f8\u5bf9\u4e8e\u75ab\u60c5\u4e4b\u524d\u76f8\u6bd4\u53ef\u80fd\u51fa\u73b0\u4e86\u4e00\u5b9a\u7684\u4e0b\u964d\u3002\u5927\u5bb6\u5bf9\u672a\u6765\u6536\u5165\u7684\u589e\u957f\u7684\u786e\u5b9a\u6027\u53ef\u5f97\u6027\u4ee5\u53ca\u672a\u6765\u6536\u5165\u589e\u957f\u80fd\u591f\u7ef4\u6301\u5728\u4ec0\u4e48\u6837\u7684\u6c34\u5e73\uff1f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u5b58\u8d37\u5dee \u4ee3\u8868\u7740households\u5bf9\u6536\u5165\u7684\u9884\u671f<\/h4>\n\n\n\n<p>\u5728\u8fd9\u4e9b\u5c42\u9762\u4e0a\u5927\u5bb6\u7684\u9884\u671f\u5462\u4e5f\u90fd\u53d8\u5f97\u66f4\u52a0\u4fdd\u5b88\uff0c\u800c\u8fd9\u6837\u7684\u5fc3\u7406\u4e0a\u7684\u75a4\u75d5\u4e5f\u5f71\u54cd\u4e86\u4f4f\u6237\u548c\u4f01\u4e1a\u7684\u5f88\u591a\u7684\u7ecf\u6d4e\u884c\u4e3a\uff0c\u5c31\u50cf\u6211\u4eec\u5728\u8fd9\u5f20\u56fe\u4e0a\u53ef\u4ee5\u6e05\u695a\u7684\u770b\u5230\u7684\u4e00\u6837\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-17-1024x583.png\" alt=\"\" class=\"wp-image-5176\" width=\"312\" height=\"177\" srcset=\"http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-17-1024x583.png 1024w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-17-300x171.png 300w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-17-768x437.png 768w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-17.png 1080w\" sizes=\"(max-width: 312px) 100vw, 312px\" \/><\/figure><\/div>\n\n\n<p>\u5728\u8fd9\u5f20\u56fe\u4e0a\u5728\u5206\u6bcd\u4e0a\uff0c\u6211\u4eec\u653e\u7684\u662f\u5c45\u6c11\u90e8\u95e8\u7684\u4e00\u6bb5\u65f6\u95f4\u7684\u6536\u5165\u6c34\u5e73\uff0c\u6bd4\u5982\u8bf4\u4e00\u4e2a\u5c45\u6c11\u6237\uff0c\u7136\u540e\u5728\u8fd9\u4e2a\u5b63\u5ea6\u4ed6\u6709\u591a\u5c11\u6536\u5165\uff0c\u5728\u5206\u5b50\u4e0a\u6211\u4eec\u653e\u7684\u662f\u5728\u5c45\u6c11\u6237\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\uff0c\u5b83\u5b58\u6b3e\u7684\u589e\u91cf\u51cf\u53bb\u8d37\u6b3e\u7684\u589e\u91cf\uff0c\u5c45\u6c11\u6237\u90e8\u95e8\u6709\u4e00\u4e9b\u6536\u5165\uff0c\u8fd9\u4e9b\u6536\u5165\u6709\u4e00\u4e9b\u5f53\u7136\u7528\u4e8e\u6d88\u8d39\u4e86\uff0c\u4f46\u662f\u4e5f\u6709\u4e00\u4e9b\u7684\u8bdd\u591a\u591a\u5c11\u5c11\u7684\u8bdd\u901a\u8fc7\u8d27\u5e01\u57fa\u91d1\uff0c\u901a\u8fc7\u94f6\u884c\u5b58\u6b3e\u7684\u90fd\u5b58\u50a8\u8d77\u6765\u4e86\u3002<\/p>\n\n\n\n<p>$$ \\frac{ \\Delta (\u5b58\u6b3e &#8211; \u8d37\u6b3e) }{\u4e00\u6bb5\u65f6\u95f4\u5185\u7684\u6536\u5165_{\u5b58\u91cf}} $$<\/p>\n\n\n\n<p><strong>\u76f8\u5f53\u4e8e \u51c0\u8d37\u6b3e, Net Saving, \u5360\u6536\u5165\u7684\u6bd4\u4f8b\u3002<\/strong>\u5b58\u6b3e\u79d1\u76ee\u4e0a\u5305\u62ec\u4e86\u5b83\u7684\u50a8\u84c4\u5b58\u6b3e\uff0c\u4e5f\u5305\u62ec\u4e86\u8d2d\u4e70\u7684\u8d27\u5e01\u57fa\u91d1\uff0c\u7136\u540e\u518d\u6263\u51cf\u6389\u5c45\u6c11\u6237\u51fa\u4e8e\u8d2d\u4e70\u623f\u5730\u4ea7\u4ee5\u53ca\u7ecf\u8425\u9700\u8981\u7684\u8bdd\u6240\u83b7\u5f97\u7684\u8d37\u6b3e\u3002\u00a0<strong>ratio\u7684\u00a0\u6570\u503c\u8d8a\u5927\uff0c\u76f8\u5f53\u4e8e\uff1a\u51c0\u5b58\u6b3e\u5360\u4e00\u5b9a\u671f\u95f4\u6536\u5165\u7684\u6bd4\u4f8b\u589e\u5927\u3002\u5982\u679c\u51c0\u5b58\u6b3e\u589e\u52a0\u4ee3\u8868\u5c45\u6c11\u5bf9\u5b89\u5168\u7684\u9700\u6c42\u589e\u52a0\uff0c\u90a3\u4e48\u6b64ratio\u8bf4\u660e\u4e86\uff0c\u57282022\u5e74\u5c45\u6c11\u5bf9\u5b89\u5168\u7684\u9700\u6c42\u6025\u5267\u4e0a\u5347\u3002<\/strong><\/p>\n\n\n\n<p>\u6211\u4eec\u53ef\u4ee5\u6e05\u695a\u5730\u770b\u5230\uff0c\u5728\u4eca\u5e74\u76843\u6708\u4efd\u4ee5\u6765\uff0c\u76f8\u5bf9\u4e8e\u5c45\u6c11\u7684\u6536\u5165\u800c\u8a00\uff0c\u5c45\u6c11\u6237\u6240\u6301\u6709\u7684\u5b58\u8d37\u6b3e\u6216\u8005\u8f67\u5dee\u7ed3\u675f\u4ee5\u540e\u7684\u5b58\u8d37\u6b3e\u7684\u5360\u6bd4\u51fa\u73b0\u4e86\u5e45\u5ea6\u975e\u5e38\u5927\u7684\u4e0a\u5347\u3002\u5373\u4f7f\u57282021\u5e74\u5e74\u5e95\u7684\u65f6\u5019\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u8fc7\u53bb\u4e03\u516b\u5e74\u7684\u65f6\u95f4\u91cc\u8fb9\u76f8\u5bf9\u5df2\u7ecf\u5904\u5728\u8f83\u9ad8\u6c34\u5e73\u3002\u4f46\u662f\u8fdb\u51652022\u5e74\u4ee5\u6765\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u90a3\u6837\u7684\u6c34\u5e73\u4e0a\u7ee7\u7eed\u51fa\u73b0\u4e86\u5355\u8fb9\u7684\u5386\u53f2\u4e0a\u5c11\u89c1\u7684\u5e45\u5ea6\u975e\u5e38\u5927\u7684\u4e0a\u5347\u3002\u90a3\u4e48\u8fd9\u6837\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u8c03\u6574\u7684\u53d8\u5316\u663e\u793a\u4e86\u603b\u4f53\u4e0a\u6765\u8bb2\uff0c<strong>\u5c45\u6c11\u6237\u90e8\u95e8\u5728\u8d44\u4ea7\u914d\u7f6e\u4e0a\u53d8\u5f97\u975e\u5e38\u7684\u4fdd\u5b88\uff0c\u4e0d\u613f\u610f\u627f\u62c5\u98ce\u9669\uff0c\u5bf9\u672a\u6765\u7684\u9884\u671f\u7684\u8bdd\u53d8\u5f97\u66f4\u52a0\u60b2\u89c2\u3002<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u50a8\u84c4\u7387\uff0c\u4ee3\u8868\u7740households\u5bf9\u6536\u5165\u7684\u5206\u914d Y &#8211; T = C + S; S = sY<\/h4>\n\n\n\n<p>\u90a3\u4e48\u6211\u4eec\u518d\u770b\u7b2c\u4e8c\u4e2a\u6570\u636e\u7684\u8bdd\uff0c\u662f\u5bf9\u5c45\u6c11\u6237\u90e8\u95e8\u50a8\u84c4\u503e\u5411\u7684\u89c2\u5bdf\u3002\u6240\u8c13\u7684\u50a8\u84c4\u503e\u5411\u5c31\u662f\u4e00\u6bb5\u65f6\u95f4\u7684\u4e00\u6bb5\u65f6\u95f4\u91cc\u8fb9\uff0c\u5c45\u6c11\u6237\u7684\u8bdd\u83b7\u5f97\u4e86\u4e00\u5b9a\u7684\u6536\u5165\uff0c\u8fd9\u4e9b\u6536\u5165\u4e4b\u4e2d\u7684\u4e00\u90e8\u5206\u7528\u4e8e\u6d88\u8d39\uff0c\u6bd4\u5982\u8bf4\u8d2d\u4e70\u98df\u54c1\u3001\u8d2d\u4e70\u70df\u9152\u3001\u8d2d\u4e70\u6c7d\u8f66\u7b49\u7b49\u4e00\u90e8\u5206\u7528\u4e8e\u6d88\u8d39\uff0c\u90a3\u4e48\u628a\u5c45\u6c11\u6237\u7684\u6536\u5165\u6263\u51cf\u6389\u5b83\u7684\u6d88\u8d39\u4ee5\u540e\uff0c\u5b83\u7684\u5269\u4f59\u9879\u4e00\u822c\u5728\u7ecf\u6d4e\u5b66\u4e0a\u5b9a\u4e49\u4e3a\u5b83\u7684\u50a8\u84c4\uff0c\u6240\u4ee5\u5b83\u7684\u50a8\u84c4\u53ef\u4ee5\u662f\u5c45\u6c11\u6237\u6240\u8fdb\u884c\u7684\u6295\u8d44\uff0c\u4e5f\u53ef\u4ee5\u662f\u8fdb\u884c\u7684\u623f\u5730\u4ea7\u8d2d\u4e70\u7b49\u7b49\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-18-1024x583.png\" alt=\"\" class=\"wp-image-5191\" width=\"405\" height=\"230\" srcset=\"http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-18-1024x583.png 1024w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-18-300x171.png 300w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-18-768x437.png 768w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-18.png 1080w\" sizes=\"(max-width: 405px) 100vw, 405px\" \/><\/figure><\/div>\n\n\n<p>\u90a3\u4e48\u5728\u8fd9\u6837\u7684\u5b9a\u4e49\u4e0b\uff0c\u6211\u4eec\u6765\u89c2\u5bdf\u5c45\u6c11\u6237\u90e8\u95e8\u7684\u50a8\u84c4\u7387\u7684\u53d8\u5316\u3002\u5728\u8fd9\u91cc\u6211\u4eec\u8fd9\u4e2a\u62a5\u544a\u4e86\u4e24\u4e2a\u6570\u636e\uff0c\u7ea2\u8272\u7684\u7ebf\u4f7f\u7528\u7684\u662f\u5165\u6237\u8c03\u67e5\u6570\u636e\uff0c\u5728\u5165\u6237\u8c03\u67e5\u6570\u636e\u4e4b\u4e2d\uff0c\u6211\u4eec\u770b\u5230\u7684\u60c5\u51b5\u662f<strong>\u6bcf\u4e00\u6b21\u6bd4\u8f83\u660e\u663e\u7684\u75ab\u60c5\u51b2\u51fb\uff0c\u90fd\u5bfc\u81f4\u5c45\u6c11\u6237\u90e8\u95e8\u7684\u50a8\u84c4\u7387\u6709\u5f02\u5e38\u7684\u4e0a\u5347\u3002<\/strong><\/p>\n\n\n\n<p>\u8fd9\u6837\u7684\u4e0a\u5347 \u4e00\u90e8\u5206\u662f\u56e0\u4e3a\u90e8\u5206\u7684<strong>\u7ebf\u4e0b\u6d88\u8d39\u6d3b\u52a8\u4e0d\u53ef\u5f97\uff0c\u5f62\u6210\u4e86\u88ab\u52a8\u7684\u50a8\u84c4<\/strong>\uff0c\u53e6\u5916\u4e00\u90e8\u5206\u4e5f\u53ef\u80fd\u6765\u6e90\u4e8e\u5927\u5bb6\u5bf9\u672a\u6765\u6536\u5165\u7684\u7a33\u5b9a\u6027\u548c\u53ef\u80fd\u6027\u7684<strong>\u4fe1\u5fc3\u4e0b\u964d<\/strong>\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\uff0c\u5b83\u9700\u8981\u6709\u66f4\u591a\u7684\u50a8\u84c4\u3002\u4f46\u662f\u4e0a\u9762\u7684\u84dd\u8272\u7684\u7ebf\u662f\u6211\u4eec\u57fa\u4e8e\u5b8f\u89c2\u7684\u6570\u636e\uff0c\u57fa\u4e8e\u5b8f\u89c2\u7684\u56fd\u6c11\u6536\u5165\uff0c\u57fa\u4e8e\u5b8f\u89c2\u7684\u6d88\u8d39\u6570\u636e\u6240\u53cd\u63a8\u51fa\u6765\u7684\u5c45\u6c11\u6237\u90e8\u95e8\u7684\u50a8\u84c4\u7387\u3002\u6211\u4eec\u770b\u5230\u8fd9\u4e24\u4e2a\u6570\u636e\u6709\u4e00\u5b9a\u7684\u5dee\u522b\uff0c\u7279\u522b\u662f\u5728\u75ab\u60c5\u4ee5\u6765\uff0c\u5b83\u4eec\u7684\u8d70\u52bf\u7684\u65b9\u5411\u4ee5\u53ca\u7684\u6c34\u5e73\u5e94\u8be5\u8bf4\u5dee\u522b\u6bd4\u8f83\u5927\uff0c\u751a\u81f3\u662f\u8d8a\u6765\u8d8a\u5927\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u6211\u4eec\u4ee5\u5b8f\u89c2\u7684\u6570\u636e\u4f30\u8ba1\u4e3a\u57fa\u7840\uff0c\u603b\u4f53\u4e0a\u6211\u4eec\u770b\u5230\u7684\u662f\u5728\u8d8b\u52bf\u4e0a\u5c45\u6c11\u6237\u90e8\u95e8\u7684\u50a8\u84c4\u7387\u4e0d\u65ad\u7684\u4e0a\u5347\uff0c\u5c45\u6c11\u6237\u90e8\u95e8\u7684\u6d88\u8d39\u503e\u5411\u662f\u8d8a\u6765\u8d8a\u4f4e\uff0c\u4ed6<strong>\u540c\u6837\u7684\u6536\u5165\u5b83\u8d8a\u6765\u8d8a\u591a\u7684\u7528\u4e8e\u50a8\u84c4\uff0c\u800c\u4e0d\u662f\u7528\u4e8e\u6d88\u8d39<\/strong>\u3002\u540c\u65f6\u5bf9\u50a8\u84c4\u8d77\u6765\u7684\u8fd9\u4e9b\u6536\u5165\u800c\u8a00\uff0c\u66f4\u591a\u7684\u662f\u653e\u5728\u5b58\u6b3e\u3001\u8d27\u5e01\u57fa\u91d1\u7b49\u9ad8\u5ea6\u7a33\u5b9a\u7684\u79d1\u76ee\u4e0a\u3002\u7528\u4e8e\u8d2d\u4e70\u623f\u5b50\uff0c\u7528\u4e8e\u6bd4\u5982\u8bf4\u6301\u6709\u6743\u76ca\u8d44\u4ea7\u7b49\u7b49\u7684\uff0c\u4ece\u5176\u4ed6\u7684\u4e00\u4e9b\u6570\u636e\u6765\u770b\uff0c\u90fd\u7ecf\u5386\u4e86\u5355\u8fb9\u7684\u5927\u5e45\u5ea6\u7684\u4e0b\u964d\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u6211\u4eec\u521a\u624d\u6240\u62a5\u544a\u7684\u8fd9\u4e24\u4e2a\u65b9\u9762\u7684\u6570\u636e\uff0c\u4e00\u4e2a\u65b9\u9762\u662f\u5c45\u6c11\u6237\u90e8\u95e8\u50a8\u84c4\u7387\u7684\u53d8\u5316\uff0c\u53e6\u5916\u4e00\u4e2a\u7684\u8bdd\u662f\u5c45\u6c11\u6237\u90e8\u95e8\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\u91d1\u878d\u79d1\u76ee\u5b58\u8d37\u6b3e\u79d1\u76ee\u7684\u53d8\u5316\uff0c\u8fd9\u4e24\u4e2a\u65b9\u9762\u7684\u6570\u636e\u6e05\u6670\u7684\u5411\u6211\u4eec\u5c55\u793a\u4e86\u51e0\u5e74\u7684\u75ab\u60c5\uff0c\u7ed9\u5c45\u6c11\u6237\u90e8\u95e8\u5e26\u6765\u4e86\u6bd4\u8f83\u660e\u663e\u7684\u4f24\u75a4\uff0c<strong>\u8fd9\u4e9b\u4f24\u75a4\u6709\u4e00\u4e9b\u662f\u5fc3\u7406\u6027\u7684\uff0c\u5f71\u54cd\u4e86\u5bf9\u672a\u6765\u7684\u9884\u671f\u3002\u6709\u4e00\u4e9b\u7684\u8bdd\u662f\u8d44\u4ea7\u8d1f\u503a\u8868\u7684\uff0c\u662f\u8d22\u52a1\u6027\u7684\uff0c\u7279\u522b\u662f\u4f24\u75a4\u6548\u5e94<\/strong>\uff0c\u57282022\u5e74\u4ee5\u6765\u6709\u6bd4\u8f83\u660e\u663e\u7684\u4e0a\u5347\uff0c\u8fd9\u4e9b\u4f24\u75a4\u6548\u5e94\u5728\u8fd9\u5f20\u56fe\u4e0a\u6709\u6bd4\u8f83\u660e\u663e\u7684\u4e0a\u5347\u3002<\/p>\n\n\n\n<p>\u800c\u81f3\u4e8e\u4e0b\u8dcc\u7684\u540c\u65f6\uff0c\u5728\u5b8f\u89c2\u4e0a\u5e76\u6ca1\u6709\u51fa\u73b0\u660e\u663e\u7684\u901a\u8d27\u81a8\u80c0\uff0c\u660e\u663e\u7684\u76d1\u7ba1\u7684\u6536\u7d27\uff0c\u660e\u663e\u7684\u6d41\u52a8\u6027\u7684\u7d27\u7f29\uff0c\u660e\u663e\u7684\u8d27\u5e01\u4fe1\u8d37\u5229\u7387\u7684\u663e\u8457\u7684\u4e0a\u5347\uff0c\u8fd9\u4e9b\u56e0\u7d20\u90fd\u6ca1\u6709\u3002\u4f46\u662f\u7684\u8bdd\u603b\u4f53\u4e0a\u6743\u76ca\u5e02\u573a\u5305\u62ec\u623f\u5730\u4ea7\u5e02\u573a\u90fd\u51fa\u73b0\u4e86\u5355\u8fb9\u7684\u5e45\u5ea6\u6bd4\u8f83\u5927\u7684\u8c03\u6574\uff0c\u800c\u4e14\u57282022\u5e74\u7684\u8c03\u6574\u5e45\u5ea6\u5f02\u5e38\u5927\u3002<strong>\u90a3\u4e48\u7531\u4e8e\u4e09\u5e74\u7684\u75ab\u60c5\u6240\u5e26\u6765\u7684\u75a4\u75d5\u6548\u5e94\uff0c\u6211\u4eec\u60f3\u8bf4\u7684\u662f\u770b\u8d77\u6765\u5373\u4f7f\u5728\u793e\u4f1a\u7ecf\u6d4e\u751f\u6d3b\u9010\u6b65\u6062\u590d\u6b63\u5e38\u4ee5\u540e\uff0c\u75a4\u75d5\u7684\u4fee\u590d\u5b83\u7684\u5f71\u54cd\u5b8c\u5168\u6d88\u9664\uff0c\u53ef\u80fd\u4e5f\u662f\u9700\u8981\u4e00\u4e9b\u65f6\u95f4\u7684\u3002<\/strong><\/p>\n\n\n\n<p>\u7531\u4e8e\u4e09\u5e74\u75ab\u60c5\uff0c\u5bf9\u4e8e\u666e\u901a\u6c11\u4f17\u5728\u8d22\u52a1\u4e0a\u6240\u9020\u6210\u7684\u5f88\u591a\u7684\u4f24\u5bb3\uff0c\u90a3\u4e48\u4e3a\u4e86\u91cd\u5efa\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u4e3a\u4e86\u91cd\u5efa\u5b83\u7684\u6743\u76ca\u79d1\u76ee\uff0c\u8fd9\u4e2a\u90fd\u662f\u7ee7\u7eed\u9700\u8981\u4e00\u5b9a\u7684\u65f6\u95f4\u6765\u79ef\u7d2f\u50a8\u84c4\u53bb\u8fdb\u884c\u4fee\u590d\u7684\uff0c\u666e\u901a\u7684\u6c11\u4f17\u5bf9\u672a\u6765\u7684\u6536\u5165\u7684\u589e\u957f\u91cd\u65b0\u5efa\u7acb\u66f4\u5f3a\u7684\u4fe1\u5fc3\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\u53bb\u9010\u6b65\u7684\u964d\u4f4e\u81ea\u5df1\u7684\u50a8\u84c4\u503e\u5411\uff0c\u5e76\u4e14\u7684\u8bdd\u613f\u610f\u6301\u6709\u66f4\u591a\u7684\u98ce\u9669\u8d44\u4ea7\uff0c\u800c\u8fd9\u6837\u7684\u5fc3\u7406\u7684\u4fee\u590d\u4e5f\u662f\u9700\u8981\u65f6\u95f4\u7684\u3002<\/p>\n\n\n\n<ul><li>Key Takeaways:<\/li><li><strong>\u5b58\u8d37\u5dee\u589e\u52a0\uff0c\u4f53\u73b0\u51fa households \u9884\u671f Y\u4e0b\u964d<\/strong><\/li><li><strong>Saving Rate\u589e\u52a0\uff0c\u4f53\u73b0 households\u5bf9consumption\u9700\u6c42\u4e0b\u964d\uff0csavings\u589e\u52a0\u3002<\/strong><\/li><li><strong>\u56e0\u6b64\uff0cconsumptions\u56e0\u4ee5\u4e0a\u53cc\u91cd\u539f\u56e0\u53e0\u52a0\uff0c\u4e0b\u964d\u3002<\/strong><\/li><li>\u4e5f\u56e0\u6b64\uff0c<strong>\u9884\u671f\u672a\u6765\u7684\u589e\u957f<\/strong>\uff0c\u4e0b\u964d\uff08\u9884\u671f\u53d8\u5316\u662f\u6700\u91cd\u8981\u7684acyclical factor\uff09<\/li><li>\u75a4\u75d5 \u6d88\u5931 \u9700\u8981\u65f6\u95f4<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">A CASE STUDY<\/h4>\n\n\n\n<p>\u90a3\u4e48\u4ece\u6587\u732e\u4e0a\u5bf9\u4e8e\u81ea\u7136\u707e\u5bb3\u7b49\u56e0\u7d20\uff0c\u5bf9\u4e8e\u4eba\u7c7b\u5fc3\u7406\u7684\u5f71\u54cd\u6765\u770b\uff0c\u4e00\u822c\u8ba4\u4e3a\u5728\u4eba\u7c7b\u7ecf\u5386\u4e86\u81ea\u7136\u707e\u5bb3\u4ee5\u540e\uff0c\u5728\u5fc3\u7406\u4e0a\u90fd\u4f1a\u4ea7\u751f\u4e00\u4e9b\u75a4\u75d5\uff0c\u8fd9\u79cd\u75a4\u75d5\u5728\u81ea\u7136\u707e\u5bb3\u6d88\u5931\u4ee5\u540e\u7684\u8bdd\u4f1a\u7ef4\u6301\u4e00\u6bb5\u65f6\u95f4\uff0c\u5c3d\u7ba1\u7684\u8bdd\u968f\u7740\u65f6\u95f4\u7684\u6d41\u901d\uff0c\u5b83\u7684\u5f71\u54cd\u5728\u51cf\u5f31\uff0c\u4f46\u662f\u4f1a\u7ef4\u6301\u4e00\u6bb5\u65f6\u95f4\uff0c\u800c\u4e14\u5b83\u7a81\u51fa\u7684\u7279\u70b9\u662f\u5bf9\u98ce\u9669\u7684\u5bb9\u5fcd\u5ea6\u5728\u4e0b\u964d\uff0c\u4ed6\u7684\u884c\u4e3a\u7684\u8bdd\u53d8\u5f97\u66f4\u52a0\u4fdd\u5b88\uff0c\u66f4\u52a0\u4e0d\u613f\u610f\u5192\u9669\uff0c\u4f46\u662f\u7684\u8bdd\u5bf9\u8fd9\u6837\u7684\u4e00\u822c\u6027\u7684\u603b\u7ed3\u770b\u8d77\u6765\u4f3c\u4e4e\u4e5f\u6709\u4e00\u4e9b\u4f8b\u5916\u3002<\/p>\n\n\n\n<p>\u6bd4\u5982\u8bf42002\u5e74\u7684\u65f6\u5019\uff0c\u5728\u5fb7\u56fd\u7684\u6613\u5317\u6cb3\u5cb8\u53d1\u751f\u4e86\u4e00\u6b21\u4e25\u91cd\u7684\u6d2a\u6c34\uff0c\u6d2a\u6c34\u8fc7\u53bb\u4ee5\u540e\uff0c\u4e00\u4e9b\u5b66\u8005\u5c31\u4e13\u95e8\u8c03\u67e5\u4e86\u53d7\u5230\u6d2a\u6c34\u5f71\u54cd\u7684\u5c45\u6c11\u7684\u6536\u5165\u548c\u5f00\u652f\u884c\u4e3a\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48\u57fa\u4e8e\u53ef\u5f97\u7684\u5730\u7406\u6570\u636e\uff0c\u5728\u53d1\u751f\u6d2a\u6c34\u7684\u65f6\u5019\uff0c\u5728\u540c\u6837\u4e00\u4e2a\u5730\u7406\u533a\u57df\uff0c\u5e76\u4e0d\u662f\u6240\u6709\u7684\u5bb6\u5ead\u90fd\u53d7\u707e\u4e86\u3002\u6709\u4e00\u90e8\u5206\u5bb6\u5ead\u53d7\u707e\u4e86\uff0c\u6709\u4e00\u90e8\u5206\u5bb6\u5ead\u6ca1\u6709\u53d7\u707e\uff0c\u8fd9\u6837\u7684\u8bdd\u5728\u540c\u6837\u7684\u5730\u7406\u533a\u57df\uff0c\u6ca1\u6709\u53d7\u707e\u7684\u5bb6\u5ead\u7684\u6536\u5165\u548c\u5f00\u652f\u884c\u4e3a\uff0c\u5c31\u53ef\u4ee5\u4f5c\u4e3a\u4e00\u4e2a\u5f88\u597d\u7684\u5bf9\u7167\u6837\u672c\uff0c\u53bb\u5bf9\u6bd4\u548c\u7814\u7a76\u53d7\u707e\u4ee5\u540e\u53d7\u5230\u6d2a\u6c34\u51b2\u51fb\u5f71\u54cd\u7684\u5bb6\u5ead\u5728\u6d2a\u6c34\u8fc7\u53bb\u4ee5\u540e\uff0c\u4ed6\u4eec\u7684\u6536\u5165\u548c\u5f00\u652f\u884c\u4e3a\u3002\u90a3\u4e48\u5bf9\u4e8e\u8fd9\u6837\u7684\u4e00\u4e2a\u6837\u672c\u7684\u7814\u7a76\uff0c<strong>\u663e\u793a\u5728\u6613\u5317\u6cb3\u6d2a\u6c34\u4ee5\u540e\uff0c\u5b9e\u9645\u4e0a\u53d7\u5230\u6d2a\u6c34\u5f71\u54cd\u7684\u8fd9\u90e8\u5206\u5bb6\u5ead\u7684\u6536\u5165\u548c\u5f00\u652f\u884c\u4e3a\u5e76\u6ca1\u6709\u53d7\u5230\u660e\u663e\u7684\u5f71\u54cd\u3002<\/strong><\/p>\n\n\n\n<p>\u8fd9\u4e2a\u4e0e\u6211\u4eec\u4e00\u822c\u60f3\u8c61\u7684\u75a4\u75d5\u6548\u5e94\u5e94\u8be5\u8bf4\u5b58\u5728\u5b58\u5728\u4e00\u5b9a\u7684\u5dee\u5f02\uff0c\u4f46\u662f\u8fd9\u4e9b<strong>\u5b66\u8005\u503e\u5411\u6027\u7684\u89e3\u91ca\u662f\u5fb7\u56fd\u6709\u5f3a\u5927\u7684\u793e\u4f1a\u4fdd\u969c\u4f53\u7cfb\uff0c\u6240\u4ee5\u5728\u8fd9\u4e9b\u5730\u533a\u53d1\u751f\u6d2a\u6c34\u4ee5\u540e\uff0c\u8fd9\u4e9b\u6c11\u4f17\u6240\u906d\u53d7\u5230\u7684\u635f\u5931\u7531\u653f\u5e9c\u53ca\u65f6\u548c\u8db3\u989d\u7684\u63d0\u4f9b\u4e86\u8865\u507f\u3002<\/strong><\/p>\n\n\n\n<p>\u90a3\u4e48\u7531\u4e8e\u8fd9\u6837\u7684\u653f\u7b56\u5e72\u9884\uff0c\u65e0\u8bba\u662f\u5728\u8d22\u52a1\u4e0a\u8fd8\u662f\u5728\u5fc3\u7406\u4e0a\uff0c\u90fd\u6ca1\u6709\u5728\u6c11\u4f17\u7684\u751f\u6d3b\u4e4b\u4e2d\u7559\u4e0b\u660e\u663e\u7684\u5f71\u54cd\uff0c\u4ed6\u4eec\u7684\u751f\u6d3b\u5728\u6d2a\u6c34\u8fc7\u53bb\u4ee5\u540e\u5c31\u8fc5\u901f\u6062\u590d\u6b63\u5e38\u3002\u653f\u7b56\u5e72\u9884\uff0c\u76f8\u5f53\u4e8e\u7ed9household\u5728\u9884\u671f\u53ca\u5b9e\u9645\u4e0a\u90fd\u7ed9\u4e88\u4e86\u8865\u52a9\u3002<\/p>\n\n\n\n<p>\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\uff0c\u5982\u679c\u6211\u4eec\u89c2\u5bdf\u4eca\u5e74\u7f8e\u56fd\u7684\u50a8\u84c4\u7387\u7684\u53d8\u5316\uff0c\u7f8e\u56fd\u666e\u901a\u7684\u4f4f\u6237\u90e8\u95e8\u50a8\u84c4\u7387\u7684\u53d8\u5316\u3002\u5c3d\u7ba1\u7f8e\u56fd\u4e5f\u7ecf\u5386\u4e86\u975e\u5e38\u5927\u7684\u75ab\u60c5\uff0c\u4f46\u662f\u4eca\u5e74\u4ee5\u6765\u7684\u8bdd\uff0c\u5728\u7f8e\u56fd\u4f4f\u6237\u90e8\u95e8\u7684\u50a8\u84c4\u7387\u7684\u53d8\u52a8\u4e0a\uff0c\u4e5f<strong>\u770b\u4e0d\u5230\u975e\u5e38\u660e\u663e\u7684\u75a4\u75d5\u6548\u5e94<\/strong>\u3002\u5982\u679c\u6709\u5f88\u660e\u663e\u7684\u75a4\u75d5\u6548\u5e94\uff0c\u81f3\u5c11\u76f8\u5bf9\u75ab\u60c5\u4e4b\u524d\u76f8\u6bd4\uff0c\u5b83\u7684\u50a8\u84c4\u7387\u5e94\u8be5\u66f4\u9ad8\u3002\u4f46\u662f\u5728\u6211\u4eec\u6240\u770b\u5230\u7684\u6570\u636e\u4e4b\u4e2d\uff0c\u4f3c\u4e4e\u5728\u7f8e\u56fd\u7684\u4f4f\u6237\u90e8\u95e8\uff0c\u5b83\u7684\u4e00\u4e2a\u8fd9\u4e2a\u50a8\u84c4\u7387\u76f8\u5bf9\u4e8e\u75ab\u60c5\u4e4b\u524d\u53ef\u80fd\u8fd8\u8981\u66f4\u4f4e\u4e00\u4e9b\uff0c\u770b\u4e0d\u5230\u660e\u663e\u7684\u75a4\u75d5\u6548\u5e94\u3002\u800c\u8fd9\u6837\u4e00\u4e2a\u76f8\u5bf9\u66f4\u4f4e\u7684<strong>saving rate\uff0c\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u4e0e\u7f8e\u56fd\u7ecf\u6d4e\u6570\u636e\u7684\u5f3a\u52b2\u4ee5\u53ca\u901a\u8d27\u81a8\u80c0\u538b\u529b\u4e4b\u95f4\u7684\u53ef\u80fd\u4e5f\u662f\u6709\u4e00\u4e9b\u5173\u7cfb\u7684\u3002<\/strong><\/p>\n\n\n\n<p>\u90a3\u4e48\u4ece\u6613\u5317\u6cb3\u6d2a\u6c34\u7684\u6848\u4f8b\u7684\u7814\u7a76\u6765\u770b\uff0c\u4e00\u4e2a\u53ef\u80fd\u7684\u539f\u56e0\u4e5f\u662f\u5728\u75ab\u60c5\u8086\u8650\u7684\u65f6\u5019\uff0c\u7f8e\u56fd\u653f\u5e9c\u9488\u5bf9\u4f4f\u6237\u63d0\u4f9b\u7684\u5927\u91cf\u7684\u8865\u8d34\u548c\u8f6c\u79fb\u652f\u4ed8\uff0c\u5f88\u597d\u7684\u4fdd\u62a4\u4e86\u4f4f\u6237\u90e8\u95e8\u7684\u8d22\u52a1\u72b6\u51b5\uff0c\u5f88\u597d\u7684\u4fdd\u62a4\u4e86\u4f4f\u6237\u90e8\u95e8\u7684\u5fc3\u7406\u4e0a\u6240\u53d7\u5230\u7684\u51b2\u51fb\uff0c\u6240\u4ee5\u5728\u75ab\u60c5\u7ed3\u675f\u4ee5\u540e\uff0c\u4ed6\u4eec\u7684\u751f\u6d3b\u5c31\u8fc5\u901f\u56de\u5230\u76f8\u5bf9\u6bd4\u8f83\u6b63\u5e38\u7684\u72b6\u6001\u3002<strong>US Case\uff0c\u4e0e\u5fb7\u56fd\u6d2a\u6c34Case\u7684\u653f\u5e9c\u653f\u7b56\u5f25\u8865\u4f3c\u4e4e\u5f97\u5230\u4e00\u81f4\u7684\u7ed3\u679c\uff0c\u653f\u7b56\u652f\u6301\u5e2e\u52a9\u7f13\u89e3\u75a4\u75d5\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u4f46\u662f\u4ece\u4e2d\u56fd\u8fc4\u4eca\u4e3a\u6b62\u7684\u6570\u636e<\/strong>\uff0c\u4ee5\u53ca\u4ece\u6bd4\u8f83\u591a\u6570\u7684\u5bf9\u81ea\u7136\u707e\u5bb3\u6761\u4ef6\u4e0b\uff0c\u4eba\u4eec\u884c\u4e3a\u7684\u53d8\u5316\u7684\u7814\u7a76\u6765\u770b\uff0c\u6211\u4eec\u8ba4\u4e3a\u6709\u7406\u7531\u76f8\u4fe1\u5728\u6211\u4eec\u7684\u7ecf\u6d4e\u793e\u4f1a\u751f\u6d3b\u9010\u6b65\u6062\u590d\u6b63\u5e38\u4ee5\u540e\uff0c<strong>\u75a4\u75d5\u6548\u5e94\u76f8\u5bf9\u8fd8\u4f1a\u6301\u7eed\u4e00\u6bb5\u65f6\u95f4<\/strong>\u3002\u4e5f\u8bb8\u7684\u8bdd\u968f\u7740\u65f6\u95f4\u7684\u6d41\u901d\uff0c\u5b83\u4f1a\u9010\u6b65\u7684\u51cf\u9000\uff0c\u968f\u7740\u75a4\u75d5\u6548\u5e94\u7684\u9010\u6b65\u7684\u51cf\u9000\uff0c\u50a8\u84c4\u503e\u5411\u7684\u9010\u6b65\u7684\u4e0b\u964d\uff0c\u5c45\u6c11\u6237\u90e8\u95e8\u9010\u6b65\u7684\u76f8\u5bf9\u53d8\u5f97\u66f4\u52a0\u613f\u610f\u63a5\u53d7\u98ce\u9669\u3002\u8fd9\u4e9b\u53d8\u5316\u5728\u522b\u7684\u56e0\u7d20\u90fd\u4e0d\u53d8\u7684\u6761\u4ef6\u4e0b\uff0c\u53ef\u80fd\u4e3a\u6743\u76ca\u5e02\u573a\u4e5f\u8bb8\u8fd8\u5305\u62ec\u623f\u5730\u4ea7\u5e02\u573a\u63d0\u4f9b\u4e86\u4e00\u4e2a\u66f4\u7a33\u5b9a\u66f4\u5f3a\u52b2\u548c\u66f4\u6301\u7eed\u7684\u57fa\u7840\u3002<\/p>\n\n\n\n<ul><li><strong>Key Takeaway<\/strong><\/li><li><strong>1. \u75ab\u60c5\u5e26\u6765\u7684\u75a4\u75d5\u6548\u5e94\uff0c\u4f1a\u5728\u957f\u671f\u51cf\u5c11households\u5bf9\u6536\u5165\u548c\u6d88\u8d39\u503e\u5411\u7684\u9884\u671f\u3002<\/strong><\/li><li><strong>2. \u75a4\u75d5\u6548\u5e94\u5728\u6ca1\u6709\u8db3\u591f\u653f\u7b56\u652f\u6301\u7684\u60c5\u51b5\u4e0b\uff0c\u4f1a\u6301\u7eed\u5f88\u957f\u65f6\u95f4\u3002<\/strong><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u4e00\u6837\u7684\u623f\u5730\u4ea7\u6ce1\u6cab<\/h2>\n\n\n\n<p>\u90a3\u4e48\u4e0b\u6765\u5728\u7b2c\u4e8c\u4e2a\u90e8\u5206\uff0c\u6211\u60f3\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u6211\u4eec\u5bf9\u4e2d\u56fd\u623f\u5730\u4ea7\u5e02\u573a\u6ce1\u6cab\u7684\u770b\u6cd5\u30022022\u5e74\u7684\u4e2d\u56fd\u623f\u5730\u4ea7\u5e02\u573a\u7ecf\u5386\u4e86\u5e45\u5ea6\u5f88\u5927\u7684\u8c03\u6574\uff0c\u9500\u552e\u548c\u65b0\u5f00\u5de5\u7684\u4e0b\u964d\u5e45\u5ea6\u5341\u5206\u60ca\u4eba\uff0c\u623f\u4ef7\u4e5f\u51fa\u73b0\u4e86\u4e00\u5b9a\u7684\u4e0b\u8dcc\uff0c\u623f\u5730\u4ea7\u884c\u4e1a\u51fa\u73b0\u4e86\u975e\u5e38\u5e7f\u6cdb\u7684\u8fdd\u7ea6\u538b\u529b\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u4eba\u8ba4\u4e3a\u4e2d\u56fd\u6b63\u5728\u7ecf\u5386\u623f\u5730\u4ea7\u6ce1\u6cab\u7684\u7834\u706d\uff0c\u4e00\u4e9b\u60b2\u89c2\u7684\u770b\u6cd5\uff0c\u57fa\u4e8e\u5bf9\u65e5\u672c\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u7684\u89c2\u5bdf\uff0c\u5305\u62ec\u5bf9\u4e8e\u7f8e\u56fd\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u7684\u89c2\u5bdf\uff0c\u8ba4\u4e3a\u6ce1\u6cab\u7684\u7834\u706d\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u662f\u4e0d\u53ef\u9006\u7684\uff0c\u5e76\u4e14\u5b83\u5c06\u4f1a\u5728\u672a\u6765\u8f83\u957f\u65f6\u95f4\u91cc\u5bf9\u4e8e\u7ecf\u6d4e\u589e\u957f\u5f62\u6210\u6bd4\u8f83\u957f\u671f\u7684\u8d1f\u9762\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u77e5\u9053\u65e5\u672c\u7684\u6ce1\u6cab\u7834\u706d\u4ee5\u540e\u7ecf\u5386\u4e86\u5931\u53bb\u768410\u5e7420\u5e74\uff0c\u7f8e\u56fd\u7684\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u4ee5\u540e\uff0c\u7ecf\u6d4e\u81f3\u5c11\u4e5f\u7ecf\u5386\u4e86\u5dee\u4e0d\u591a5\u5e74\u65f6\u95f4\u7684\u975e\u5e38\u5f31\u7684\u589e\u957f\u3002\u6240\u4ee5\u786e\u5b9e\u6709\u4e0d\u5c11\u4eba\u8ba4\u4e3a\u4e2d\u56fd\u7684\u8bdd\u57282022\u5e74\u6b63\u5728\u7ecf\u5386\u4e00\u4e2a\u623f\u5730\u4ea7\u6ce1\u6cab\u7684\u7834\u706d\uff0c\u800c\u8fd9\u4e00\u7834\u706d\u8fc7\u7a0b\u662f\u4e0d\u53ef\u9006\u7684\uff0c\u5e76\u4e14\u5c06\u5bf9\u672a\u6765\u51e0\u5e74\u7684\u7ecf\u6d4e\u589e\u957f\u6295\u4e0b\u957f\u957f\u7684\u9634\u5f71\uff0c<strong>\u6211\u4e2a\u4eba\u8ba4\u4e3a\u7684\u8bdd\u8fd9\u6837\u7684\u770b\u6cd5\u4e0d\u5c3d\u5408\u9002\u3002<\/strong><\/p>\n\n\n\n<p>\u4e2d\u56fd\u623f\u5730\u4ea7\u5bb9\u7eb3\u4e86too much wealth. If bubble collapses, both the market and the credibility sucks. Local Gov starts to stop people building houses in the rural area, which is equivalent to the gov enforces people buy rubbish apartments in &#8216;cities&#8217;, to stimulate demands and fill the financial gap for real estate firms. Extracting households&#8217; wealth to save the financial burdens for firms and gov continues.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u4ee5\u4e0b\u9ad8\u5584\u6587\u4ece\u5b58\u8d27\u7684\u89d2\u5ea6\u5206\u6790\u4e86\u623f\u5730\u4ea7\u5e02\u573a\u7684\u4f9b\u6c42<\/strong><\/h4>\n\n\n\n<p>\u63a5\u4e0b\u6765\u7684\u8bdd\u6211\u6765\u8c08\u4e00\u8c08\u6211\u4e2a\u4eba\u7684\u8bdd\u9488\u5bf9\u623f\u5730\u4ea7\u5e02\u573a\u7684\u770b\u6cd5\u3002\u9996\u5148\u6211\u4eec\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u6211\u4eec\u8fd9\u4e9b\u5e74\u4ee5\u6765\u6240\u8ffd\u8e2a\u548c\u4f30\u7b97\u7684\u4e00\u4e2a\u6570\u636e\uff0c\u8fd9\u4e2a\u6570\u636e\u7684\u8bdd\u662f\u53eb\u505a\u5728<span style=\"text-decoration: underline;\">\u623f\u5730\u4ea7\u884c\u4e1a\u4e4b\u4e2d\u6240\u6301\u6709\u7684\u975e\u610f\u613f\u7684\u5b58\u8d27<\/span>\uff0c\u975e\u610f\u613f\u7684\u5b58\u8d27\u3002\u6240\u4ee5\u7684\u8bdd\u5b83\u57280\u8fd9\u4e00\u6c34\u5e73\u4e0d\u662f\u610f\u5473\u7740\u5b58\u8d27\u662f0\uff0c\u800c\u662f\u610f\u5473\u7740\u623f\u5730\u4ea7\u4f01\u4e1a\u7684\u5b58\u8d27\u4e0e\u623f\u5730\u4ea7\u4f01\u4e1a\u610f\u613f\u6301\u6709\u7684\u6c34\u5e73\u662f\u4e00\u81f4\u7684\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-19-1024x583.png\" alt=\"\" class=\"wp-image-5232\" width=\"330\" height=\"187\" srcset=\"http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-19-1024x583.png 1024w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-19-300x171.png 300w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-19-768x437.png 768w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-19.png 1080w\" sizes=\"(max-width: 330px) 100vw, 330px\" \/><\/figure><\/div>\n\n\n<p>\u90a3\u4e48\u4ece\u8fd9\u4e00\u4f30\u8ba1\u7ed3\u679c\u6765\u770b\uff0c\u6beb\u65e0\u7591\u95ee\u572813\u300114\u5e74\u524d\u540e\uff0c\u623f\u5730\u4ea7\u884c\u4e1a\u66fe\u7ecf\u79ef\u7d2f\u4e86\u5927\u91cf\u7684\u8d85\u989d\u7684\u5b58\u8d27\uff0c\u4f46\u662f\u57282018\u5e74\u4ee5\u540e\uff0c\u8fd9\u4e00\u5b58\u8d27\u6c34\u5e73\u57fa\u672c\u4e0a\u5c31\u5df2\u7ecf\u4e0b\u964d\u5230\u5b8c\u5168\u6b63\u5e38\u7684\u6c34\u5e73\u3002\u4ece\u8fd9\u4e00\u4f30\u8ba1\u6765\u770b\uff0c2021\u5e74\u548c2022\u5e74\u623f\u5730\u4ea7\u884c\u4e1a\u6240\u6301\u6709\u7684\u975e\u610f\u613f\u7684\u5b58\u8d27\u653e\u5728\u5386\u53f2\u4e0a\u6765\u770b\u90fd\u5904\u5728\u5f02\u5e38\u4f4e\u7684\u6c34\u5e73\uff0c\u5b83\u7684\u975e\u610f\u613f\u5b58\u8d27\u653e\u5728\u5386\u53f2\u4e0a\u6765\u770b\uff0c\u90fd\u5904\u5728\u975e\u5e38\u4f4e\u7684\u6c34\u5e73\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e9b\u6570\u636e\u4f30\u8ba1\u7684\u610f\u4e49\u5728\u54ea\u91cc\uff1f\u6211\u4eec\u518d\u6765\u770b\u3002\u6211\u4eec\u77e5\u9053\u7684\u8bdd\uff0c\u6240\u8c13\u7684<strong>\u623f\u5730\u4ea7\u6ce1\u6cab\uff0c\u5b83\u7684\u5f62\u6210\u901a\u5e38\u6709\u51e0\u4e2a\u6761\u4ef6\uff0c\u7b2c\u4e00\u4e2a\u6761\u4ef6\u7684\u8bdd\u5c31\u662f\u5927\u91cf\u7684\u6c11\u4f17\u548c\u91d1\u878d\u673a\u6784\u5bf9\u672a\u6765\u81f3\u5c11\u662f\u5bf9\u623f\u5730\u4ea7\u884c\u4e1a\u7684\u672a\u6765\u62b1\u6709\u5f3a\u70c8\u3001\u4e0d\u53ef\u52a8\u6447\u7684\u4fe1\u5fc3\u548c\u4fe1\u5ff5<\/strong>\uff0c\u8ba4\u4e3a\u623f\u4ef7\u4e00\u76f4\u4f1a\u6da8\uff0c\u5bf9\u623f\u4ef7\u548c\u623f\u5730\u4ea7\u5e02\u573a\u62b1\u6709\u4e0d\u53ef\u52a8\u6447\u7684\u975e\u5e38\u5f3a\u70c8\u7684\u8fd9\u4e2a\u4fe1\u5ff5\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-20-1024x583.png\" alt=\"\" class=\"wp-image-5236\" width=\"331\" height=\"187\" srcset=\"http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-20-1024x583.png 1024w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-20-768x437.png 768w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-20.png 1080w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/><\/figure><\/div>\n\n\n<p><strong>\u7b2c\u4e8c\u4e2a\u7684\u8bdd\u5c31\u662f\u6574\u4e2a\u7684\u91d1\u878d\u6761\u4ef6\u548c\u91d1\u878d\u73af\u5883\u5f02\u5e38\u7684\u5bbd\u677e<\/strong>\uff0c\u6240\u4ee5\u5f53\u4ed6\u4eec\u8bd5\u56fe\u53bb\u53c2\u4e0e\u623f\u5730\u4ea7\u5e02\u573a\u7684\u6295\u673a\u7684\u65f6\u5019\uff0c\u603b\u662f\u53ef\u4ee5\u4ee5\u6bd4\u8f83\u4f4e\u7684\u8d44\u91d1\u6210\u672c\u83b7\u5f97\u8d37\u6b3e\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\u7684\u8bdd\uff0c\u5927\u5bb6\u90fd\u5bf9\u623f\u4ef7\u5177\u6709\u5f88\u5f3a\u7684\u9884\u671f\uff0c\u53c8\u5f88\u5bb9\u6613\u83b7\u5f97\u8d37\u6b3e\u3002\u8fd9\u4e9b\u56e0\u7d20\u5408\u5e76\u5728\u4e00\u8d77\u7684\u8bdd\uff0c\u63a8\u52a8\u4e86\u623f\u5730\u4ea7\u6ce1\u6cab\u7684\u5f62\u6210\u548c\u623f\u4ef7\u7684\u5feb\u901f\u4e0a\u5347\uff0c\u623f\u4ef7\u7684\u5feb\u901f\u4e0a\u5347\u4f1a\u523a\u6fc0\u623f\u5730\u4ea7\u4f9b\u5e94\u7684\u6269\u5927\u3002\u56e0\u4e3a\u5927\u5bb6\u90fd\u89c9\u5f97\u8fd9\u4e2a\u623f\u5b50\u597d\uff0c\u623f\u4ef7\u8981\u6da8\uff0c\u6240\u4ee5\u90fd\u6765\u4e70\u623f\u4ef7\u5c31\u5728\u6da8\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48\u9762\u5bf9\u623f\u4ef7\u7684\u4e0a\u6da8\uff0c\u4f9b\u5e94\u5546\u623f\u5730\u4ea7\u5f00\u53d1\u5546\u7684\u8bdd\uff0c\u5c31\u80fd\u591f\u548c\u613f\u610f\u5728\u5e02\u573a\u4e0a\u63d0\u4f9b\u66f4\u591a\u7684\u4f4f\u623f\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\uff0c\u623f\u5730\u4ea7\u5e02\u573a\u7684\u4f9b\u5e94\u7684\u8bdd\u5c31\u4f1a\u5927\u91cf\u589e\u957f\u3002\u4f46\u662f<strong>\u7b49\u5230\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u7684\u65f6\u5019\uff0c\u5c31\u4f1a\u53d1\u751f\u4e24\u4e2a\u65b9\u9762\u7684\u95ee\u9898\uff0c\u4e00\u4e2a\u65b9\u9762\u7684\u95ee\u9898\u662f\u5728\u6ce1\u6cab\u5316\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u623f\u5730\u4ea7\u5e02\u573a\u6709\u5927\u91cf\u7684\u5f02\u5e38\u7684\u8fc7\u5269\u7684\u4f9b\u5e94<\/strong>\uff0c\u5c31\u662f\u5728\u6ce1\u6cab\u5316\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u623f\u5730\u4ea7\u5e02\u573a\u7684\u7ecf\u5386\u7684\u4f9b\u5e94\u7684\u6269\u5927\uff0c\u4ece\u957f\u671f\u5386\u53f2\u6765\u770b\u7684\u8bdd\u662f\u4e0d\u6b63\u5e38\u7684\uff0c\u90a3\u4e48\u8fd9\u4e9b\u8fc7\u5269\u7684\u4f9b\u5e94\uff0c\u8fd9\u4e9b\u4e0d\u6b63\u5e38\u7684\u4f9b\u5e94\uff0c\u9700\u8981\u65f6\u95f4\u7684\u6765\u6d88\u9664\uff0c\u9700\u8981\u65f6\u95f4\u6765\u6d88\u5316\u3002\u4e3a\u4e86\u6d88\u9664\u548c\u6d88\u5316\u8fd9\u4e9b\u4e0d\u6b63\u5e38\u7684\u4f9b\u5e94\uff0c\u5c31\u4f1a\u5bf9\u623f\u5730\u4ea7\u7684\u6295\u8d44\uff0c\u5bf9\u5f88\u591a\u7684\u76f8\u5173\u884c\u4e1a\u7684\u9700\u6c42\u5f62\u6210\u65f6\u95f4\u975e\u5e38\u957f\u7684\u8d1f\u9762\u7684\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48<strong>\u7b2c\u4e8c\u4e2a\u95ee\u9898\uff0c<\/strong>\u5c31\u662f\u5728\u6d88\u5316\u8fd9\u4e9b\u8fc7\u7a0b\u4f9b\u5e94\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u7531\u4e8e\u5e02\u573a\u4e0a\u5728\u6ce1\u6cab\u7834\u706d\u4ee5\u540e\u5b58\u5728\u660e\u663e\u7684\u4f9b\u8fc7\u4e8e\u6c42\u7684\u73b0\u8c61\uff0c\u90a3\u4e48<strong>\u5728\u6ce1\u6cab\u7834\u706d\u4ee5\u540e\u7684\u8bdd\uff0c\u623f\u5730\u4ea7\u4ef7\u683c\u4f1a\u7ecf\u5386\u4e0b\u8dcc<\/strong>\u3002\u623f\u5730\u4ea7\u4ef7\u683c\u7684\u4e0b\u8dcc\u5bf9\u94f6\u884c\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u5bf9\u4f4f\u6237\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u5f62\u6210\u4e86\u5f88\u5927\u7684\u635f\u5bb3\uff0c\u8fd9\u4e9b\u635f\u5bb3\u8feb\u4f7f\u94f6\u884c\u56de\u5934\u8981\u53bb\u4fee\u590d\u81ea\u5df1\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u8981\u53bb\u7d27\u7f29\u4fe1\u8d37\uff0c\u63d0\u9ad8\u4fe1\u8d37\u53d1\u653e\u7684\u6807\u51c6\uff0c\u8981\u53bb\u7b79\u96c6\u8d44\u672c\uff0c\u751a\u81f3\u7684\u8bdd\u8981\u53bb\u9690\u85cf\u574f\u8d26\uff0c\u6765\u4fee\u590d\u81ea\u5df1\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u3002<\/p>\n\n\n\n<p>\u800c<strong>\u5bf9\u4e8e\u4f4f\u6237\u6765\u8bb2\uff0c\u5728\u6295\u673a\u6027\u7684\u8d2d\u4e70<\/strong>\u8fc7\u7a0b\u4e4b\u4e2d\u6240\u79ef\u7d2f\u7684\u623f\u5730\u4ea7\u7684\u6301\u6709\uff0c\u5728\u623f\u4ef7\u4e0b\u8dcc\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u7531\u4e8e\u5b83\u540c\u65f6\u6301\u6709\u5927\u91cf\u7684\u94f6\u884c\u7684\u503a\u52a1\uff0c\u5728\u8fd9\u6837\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u5b83\u7684\u4f4f\u6237\u90e8\u95e8\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u5c31\u4f1a\u53d7\u5230\u5f88\u5927\u7684\u635f\u5bb3\uff0c\u800c\u4f4f\u6237\u90e8\u95e8\u8d44\u4ea7\u8d1f\u503a\u8868\u53d7\u5230\u7684\u635f\u5bb3\uff0c\u5728\u6ce1\u6cab\u7834\u88c2\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u4e5f\u662f\u9700\u8981\u82b1\u5f88\u957f\u65f6\u95f4\u6765\u4fee\u590d\u7684\u3002\u52a0\u6760\u6746\u6295\u8d44\u623f\u5730\u4ea7\u65f6\uff0c<strong>QT\u5e26\u6765\u8d44\u4ea7\u4ef7\u683c\u4e0b\u7838\uff0casset price going down, but debts keep the same,=> \u8d44\u4ea7\u8d1f\u503a\u8868\u6076\u5316\uff0cequity\u7f29\u6c34\u3002<\/strong><\/p>\n\n\n\n<p>\u6211\u4eec\u521a\u624d\u6240\u8ba8\u8bba\u7684\u8fd9\u4e9b<strong>\u6ce1\u6cab\u5f62\u6210\u548c\u7834\u706d\u8fc7\u7a0b\u4e4b\u4e2d<\/strong>\uff0c\u6240\u91cd\u70b9\u60f3\u5f3a\u8c03\u7684\u662f\u4e00\u4e2a\u4e25\u91cd\u7684\u9020\u6210\u6301\u7eed\u5f71\u54cd\u7684\u623f\u5730\u4ea7\u6ce1\u6cab\uff0c\u4e00\u5b9a\u6709\u4e00\u4e2a\u5173\u952e\u7684\u7279\u5f81\uff0c\u5c31\u662f\u4ece\u5b8f\u89c2\u4e0a\u6765\u770b\uff0c<strong>\u623f\u5730\u4ea7\u6295\u8d44\u7684\u5f02\u5e38\u6269\u5927<\/strong>\uff0c<strong>\u5373\u4fbf\u662f\u5728\u6574\u4e2a\u623f\u5730\u4ea7\u884c\u4e1a\u91cc\u8fb9\u6ca1\u6709\u6301\u6709\u8fc7\u5269\u7684\u5b58\u8d27\uff0c\u4f46\u662f\u4ece\u5b8f\u89c2\u548c\u603b\u91cf\u4e0a\u6765\u770b\uff0c\u4e00\u5b9a\u6709\u623f\u5730\u4ea7\u6295\u8d44\u7684\u5f02\u5e38\u6269\u5927\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u7684\u5f02\u5e38\u6269\u5927\uff0c\u663e\u793a\u4e86\u623f\u5730\u4ea7\u5e02\u573a\u4f9b\u5e94\u7684\u6269\u5927<\/strong>\u3002<\/p>\n\n\n\n<p>\u968f\u540e\u5728\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u7684\u8fc7\u7a0b\u4e4b\u4e2d\uff0c\u53c8\u7ecf\u5386\u4e86\u623f\u5730\u4ea7\u6295\u8d44\u7684\u4e0b\u8dcc\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u7684\u4e0b\u8dcc\u6beb\u65e0\u7591\u95ee\u5bf9\u7ecf\u6d4e\u6d3b\u52a8\u5f62\u6210\u6253\u51fb\u3002\u623f\u5730\u4ea7\u6295\u8d44\u7684\u4e0b\u8dcc\u4f34\u968f\u7684\u662f\u623f\u4ef7\u6ce1\u6cab\u7684\u7834\u706d\uff0c\u5bf9\u94f6\u884c\u548c\u4f4f\u6237\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u751a\u81f3\u5305\u62ec\u4f01\u4e1a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u53c8\u5f62\u6210\u5f88\u5927\u7684\u635f\u5bb3\u3002\u90a3\u4e48\u6211\u4eec\u7528\u8fd9\u6837\u7684\u6a21\u5f0f\u6765\u770b\uff0c\u65e5\u672c\u7684\u623f\u5730\u4ea7\uff0c\u65e5\u672c\u57281985\u5e74\u4e4b\u524d\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u5360\u6574\u4e2a\u7ecf\u6d4e\u7684\u6bd4\u91cd\u5927\u7ea6\u57288%\u5de6\u53f3\uff0c<strong>\u572887\u5e74\u623f\u5730\u4ea7\u5e02\u573a\u5f00\u59cb\u6ce1\u6cab\u5316\u4ee5\u540e\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u8fc5\u901f\u7684\u4ece8%\u7684\u4e0a\u5347\u5230\u8d85\u8fc710%\u7684\u6c34\u5e73\uff0c\u4e0a\u5347\u4e86\u8d85\u8fc710%\u7684\u6c34\u5e73\u3002\u800c\u8fd9\u4e9b\u8fc7\u7a0b\u663e\u793a\u4e86\u5728\u5e02\u573a\u4e0a\u623f\u5730\u4ea7\u4f9b\u5e94\u7684\u6269\u5927\u3002<\/strong><\/p>\n\n\n\n<p>\u800c1991\u5e74\u623f\u5730\u4ea7\u6ce1\u6cab\u7834\u706d\u4ee5\u540e\uff0c\u65e5\u672c\u7684\u623f\u5730\u4ea7\u6295\u8d44\u5c31\u5f00\u59cb\u7ecf\u5386\u4e86\u4e00\u4e2a\u957f\u671f\u7684\u4e0b\u8dcc\u8fc7\u7a0b\u3002\u81f3\u4e8e\u4e0b\u8dcc\u8fc7\u7a0b\u7684\u65e9\u671f\uff0c\u53ef\u80fd\u4e3b\u8981\u53cd\u6620\u7684\u662f\u5bf9\u4e8e\u8fc7\u5269\u4f9b\u5e94\u7684\u6d88\u9664\u8fc7\u7a0b\uff0c\u800c\u8fd9\u4e00\u6295\u8d44\u5360\u6bd4\u4e0b\u964d\u7684\u540e\u671f\u7684\u53d8\u5316\uff0c\u4e5f\u8bb8\u66f4\u591a\u7684\u4e0e\u65e5\u672c\u5feb\u901f\u7684\u8001\u9f84\u5316\u5b58\u5728\u66f4\u5bc6\u5207\u7684\u8054\u7cfb\uff0c\u90a3\u4e48\u8fd9\u662f\u65e5\u672c\u7684\u6570\u636e\u3002\u7136\u540e\u6211\u4eec\u518d\u6765\u770b\u7f8e\u56fd\u7684\u6570\u636e\uff0c\u7f8e\u56fd\u7684\u6570\u636e\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u5177\u6709\u7c7b\u4f3c\u7684\u7279\u5f81\uff0c\u57282004\u5e74\u4e4b\u524d\uff0c\u7f8e\u56fd\u623f\u5730\u4ea7\u6295\u8d44\u5360\u6574\u4e2aGDP\u7684\u6bd4\u91cd\u5dee\u4e0d\u591a\u5c31\u57288%\u7684\u6c34\u5e73\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-21-1024x583.png\" alt=\"\" class=\"wp-image-5254\" width=\"362\" height=\"205\" srcset=\"http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-21-1024x583.png 1024w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-21-300x171.png 300w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-21-768x437.png 768w, http:\/\/fanyuzhao.com\/wp-content\/uploads\/2023\/01\/image-21.png 1080w\" sizes=\"(max-width: 362px) 100vw, 362px\" \/><\/figure><\/div>\n\n\n<ul><li><strong>Key Takeaway<\/strong>:<\/li><li>1. Housing Bubble \u7684\u7d2f\u79ef &lt;-> \u4e00\u5b9a\u4f34\u968f\u7740 \u5f02\u5e38\u7684 \u623f\u5730\u4ea7\u6295\u8d44\u589e\u52a0\u3002\u4e0e\u5b58\u8d27\u5e76\u65e0\u76f8\u5173\u3002<\/li><li>2. Housing Bubble Collapses &lt;-> \u662f\u623f\u5730\u4ea7\u53bb\u5e93\u5b58\u7684\u8fc7\u7a0b\u3002\u57281\u9636\u6bb5\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u589e\u52a0\uff0c\u5e26\u6765supply\u589e\u52a0\uff0c\u76f4\u5230supply\u8fdc\u5927\u4e8edemand\uff0cbubble collapse\u3002<\/li><li>3. \u4eba\u53e3\u7ed3\u6784\u7b49\u56e0\u7d20\u4f1a\u5f71\u54cd \u623f\u5730\u4ea7\u5e93\u5b58\u7684\u4f9b\u6c42\u3002<\/li><\/ul>\n\n\n\n<p>\u6211\u4eec\u77e5\u905380\u5e74\u4ee3\u7684\u65e5\u672c\uff0c2000\u5e74\u7684\u7f8e\u56fd\u90fd\u5df2\u7ecf\u662f\u4e00\u4e2a\u4eba\u5747\u6536\u5165\u5f88\u9ad8\u5ea6\u53d1\u8fbe\u7684\u7ecf\u6d4e\u4f53\uff0c\u4e5f\u662f\u65e9\u5df2\u7ecf\u5b8c\u6210\u57ce\u5e02\u5316\u7684\u7ecf\u6d4e\u4f53\u3002\u4f46\u662f\u5728\u90a3\u4e2a\u6761\u4ef6\u4e0b\uff0c\u6211\u4eec\u770b\u5230\u4ed6\u4eec\u623f\u5730\u4ea7\u6295\u8d44\u5360\u6574\u4e2aGDP\u7684\u6bd4\u91cd\u8fd8\u5728\u63a5\u8fd18%\u7684\u6c34\u5e73\uff0c\u8fd9\u91cc\u7684\u623f\u5730\u4ea7\u6709\u4f4f\u5b85\uff0c\u4e5f\u6709\u5546\u4e1a\u5730\u4ea7\u7b49\u7b49\u3002<\/p>\n\n\n\n<p>\u4f46\u662f2004\u5e74\u4ee5\u540e\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u7684\u5360\u6bd4\u4e5f\u5f00\u59cb\u51fa\u73b0\u4e86\u5355\u8fb9\u7684\u4e0a\u5347\uff0c\u4ece8%\u4e0a\u5347\u5230\u4e0d\u523010%\u7684\u6c34\u5e73\uff0c\u8fd9\u4e9b\u4e0a\u5347\u8fc7\u7a0b\u4ee3\u8868\u4e86\u4f9b\u5e94\u7684\u6269\u5927\uff0c\u53cd\u6620\u4e86\u5728\u90a3\u51e0\u5e74\u7684\u65f6\u95f4\u91cc\u8fb9\uff0c\u7f8e\u56fd\u623f\u5730\u4ea7\u5e02\u573a\u7684\u6ce1\u6cab\u5316\u5b83\u4e0a\u5347\u4e869%\u591a\u7684\u6c34\u5e73\uff0c\u4ee5\u540e\uff0c\u5728\u8fd9\u4e00\u4f4d\u7f6e\u7684\u8bdd\u505c\u7559\u52302007\u5e74\u52302008\u5e74\u3002<\/p>\n\n\n\n<p>\u968f\u540e\u968f\u7740\u6ce1\u6cab\u7684\u7834\u706d\uff0c\u623f\u5730\u4ea7\u6295\u8d44\u5360\u6574\u4e2aGDP\u7684\u6bd4\u91cd\u7ecf\u5386\u4e86\u65f6\u95f4\u8f83\u957f\u7684\u5e45\u5ea6\u975e\u5e38\u5927\u7684\u4e0b\u8dcc\uff0c\u8fd9\u4e00\u4e0b\u8dcc\u6beb\u65e0\u7591\u95ee\u7684\u90e8\u5206\u662f\u4e3a\u4e86\u6d88\u5316\u6ce1\u6cab\u5316\u8fc7\u7a0b\u4e4b\u4e2d\u7684\u8fc7\u5269\uff0c\u53e6\u5916\u4e00\u65b9\u9762\u5b83\u4e5f\u53cd\u6620\u4e86\u91d1\u878d\u4f53\u7cfb\u548c\u4f4f\u6237\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u6240\u53d7\u5230\u7684\u538b\u529b\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48\u76f4\u52302014\u300115\u5e74\u4ee5\u540e\uff0c\u7f8e\u56fd\u7684\u623f\u5730\u4ea7\u5e02\u573a\u770b\u8d77\u6765\u624d\u57fa\u672c\u7a33\u5b9a\u4e0b\u6765\uff0c\u4f46\u662f\u4e00\u76f4\u5230\u6700\u8fd1\u8fd9\u4e24\u5e74\uff0c\u5b83\u7684\u623f\u5730\u4ea7\u5360\u623f\u5730\u4ea7\u6295\u8d44\u5360GDP\u7684\u6bd4\u91cd\u624d\u52c9\u5f3a\u63a5\u8fd1\uff0c\u53ef\u80fd\u8fd8\u6ca1\u6709\u8fbe\u5230\u57282003\u5e74\u4e4b\u524d\u7684\u6c34\u5e73\u52c9\u5f3a\u63a5\u8fd1\uff0c\u4f46\u662f\u770b\u8d77\u6765\u6ca1\u6709\u8fbe\u5230\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ref<\/h2>\n\n\n\n<p>\u9ad8\u5584\u6587\u7ecf\u6d4e\u89c2\u5bdf<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5 2. \u4e0d\u4e00\u6837\u7684\u623f\u5730\u4ea7\u6ce1\u6cab 3. \u5b89\u5168\u4e0e\u53d1\u5c55\uff1a\u4f30\u503c\u7ed3\u6784\u53d8\u5316 \u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5 \u56de\u987e\u8fd9\u4e09\u5e74\u7684\u75ab\u60c5\uff0c\u5e94\u8be5\u8bf4\u7ed9\u7ecf\u6d4e\u548c\u793e\u4f1a\u751f\u6d3b\u7559\u4e0b\u4e86\u5f88\u591a\u7684\u4f24\u75a4\uff0c\u6709\u4e00\u4e9b\u75a4\u75d5\u6216\u8005\u662f\u4f24\u75a4\uff0c\u4e3b\u8981\u662f\u5728\u4f4f\u6237\u90e8\u95e8\u5728\u5f88\u591a\u7684\u4f01\u4e1a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u4e0a\uff0c\u4e3b\u8981\u7684\u95ee\u9898\u662f\u5728\u8fc7\u53bb\u51e0\u5e74\uff0c\u7ecf\u6d4e\u6d3b\u52a8\u90fd\u4e0d\u80fd\u591f\u6b63\u5e38\u7684\u5c55\u5f00\uff0c\u6536\u5165\u7684\u4e0d\u7a33\u5b9a\u6027\uff0c\u7a7a\u524d\u7684\u5927\u6536\u5165\u7684\u589e\u901f\u8ddf\u75ab\u60c5\u4e4b\u524d\u76f8\u6bd4\uff0c\u603b\u4f53\u4e0a\u4e5f\u7ecf\u5386\u4e86\u6bd4\u8f83\u660e\u663e\u7684\u4e0b\u964d\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\uff0c\u4f4f\u6237\u548c\u4e0d\u5c11\u4f01\u4e1a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u53d7\u5230\u4e86\u4e0d\u5c0f\u7684\u635f\u5bb3\uff0c\u6743\u76ca\u79d1\u76ee\u51fa\u73b0\u4e86\u4e00\u5b9a\u7684\u95ee\u9898\uff0c\u800c\u8fd9\u6837\u7684\u95ee\u9898\u6beb\u65e0\u7591\u95ee\u6b63\u5728\u5e76\u4e14\u5728\u672a\u6765\u9700\u8981\u82b1\u4e00\u4e9b\u65f6\u95f4\u53bb\u8fdb\u884c\u4fee\u590d\u3002 \u75ab\u60c5\u7ed9\u4e00\u822c\u6c11\u4f17\u7684\u5fc3\u7406\u4e5f\u591a\u5c11\u7559\u4e0b\u4e86\u4e00\u4e9b\u4f24\u75a4\u6216\u8005\u662f\u4e00\u4e9b\u75a4\u75d5\uff0c\u5927\u5bb6\u5bf9\u4e8e\u98ce\u9669\u7684\u5bb9\u5fcd\u548c\u627f\u53d7\u80fd\u529b\u76f8\u5bf9\u4e8e\u75ab\u60c5\u4e4b\u524d\u76f8\u6bd4\u53ef\u80fd\u51fa\u73b0\u4e86\u4e00\u5b9a\u7684\u4e0b\u964d\u3002\u5927\u5bb6\u5bf9\u672a\u6765\u6536\u5165\u7684\u589e\u957f\u7684\u786e\u5b9a\u6027\u53ef\u5f97\u6027\u4ee5\u53ca\u672a\u6765\u6536\u5165\u589e\u957f\u80fd\u591f\u7ef4\u6301\u5728\u4ec0\u4e48\u6837\u7684\u6c34\u5e73\uff1f \u5b58\u8d37\u5dee \u4ee3\u8868\u7740households\u5bf9\u6536\u5165\u7684\u9884\u671f 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\u7531\u4e8e\u4e09\u5e74\u75ab\u60c5\uff0c\u5bf9\u4e8e\u666e\u901a\u6c11\u4f17\u5728\u8d22\u52a1\u4e0a\u6240\u9020\u6210\u7684\u5f88\u591a\u7684\u4f24\u5bb3\uff0c\u90a3\u4e48\u4e3a\u4e86\u91cd\u5efa\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u4e3a\u4e86\u91cd\u5efa\u5b83\u7684\u6743\u76ca\u79d1\u76ee\uff0c\u8fd9\u4e2a\u90fd\u662f\u7ee7\u7eed\u9700\u8981\u4e00\u5b9a\u7684\u65f6\u95f4\u6765\u79ef\u7d2f\u50a8\u84c4\u53bb\u8fdb\u884c\u4fee\u590d\u7684\uff0c\u666e\u901a\u7684\u6c11\u4f17\u5bf9\u672a\u6765\u7684\u6536\u5165\u7684\u589e\u957f\u91cd\u65b0\u5efa\u7acb\u66f4\u5f3a\u7684\u4fe1\u5fc3\uff0c\u5728\u8fd9\u6837\u7684\u6761\u4ef6\u4e0b\u53bb\u9010\u6b65\u7684\u964d\u4f4e\u81ea\u5df1\u7684\u50a8\u84c4\u503e\u5411\uff0c\u5e76\u4e14\u7684\u8bdd\u613f\u610f\u6301\u6709\u66f4\u591a\u7684\u98ce\u9669\u8d44\u4ea7\uff0c\u800c\u8fd9\u6837\u7684\u5fc3\u7406\u7684\u4fee\u590d\u4e5f\u662f\u9700\u8981\u65f6\u95f4\u7684\u3002 Key Takeaways: \u5b58\u8d37\u5dee\u589e\u52a0\uff0c\u4f53\u73b0\u51fa households \u9884\u671f Y\u4e0b\u964d Saving Rate\u589e\u52a0\uff0c\u4f53\u73b0 households\u5bf9consumption\u9700\u6c42\u4e0b\u964d\uff0csavings\u589e\u52a0\u3002 &hellip; <a href=\"https:\/\/fanyuzhao.com\/?p=5172\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">\u75ab\u60c5\u7559\u4e0b\u7684\u75a4\u75d5 &#8211; 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