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本文通过失业保险,研究了家庭保险、消费和储蓄的决策问题。在连续时间情形下,本文将随机问题转化为确定性问题来考察,运用最优控制理论,考察了家庭的决策过程。分析了购买保险对于个人消费和储蓄决策的影响,以及如何通过保险稳定其财富和提高终生效用,同时探讨了人均消费和人均资本存量的动态变化过程,得到了关于经济增长路径的结论。
In this paper, unemployment insurance, home insurance, consumer and savings decision-making issues. In the case of continuous time, this paper transforms the stochastic problem into the deterministic one, examines the family decision-making process by using the optimal control theory. The paper analyzes the influence of purchase insurance on personal consumption and saving decision, and how to stabilize its wealth and enhance lifelong utility through insurance. At the same time, it explores the dynamic process of per capita consumption and per capital capital stock, and obtains the conclusion about the path of economic growth.