简化的储蓄生命周期理论模型储蓄生命周期理论认为,人们在未成年期一般收入较低,但因为未来收入会增加,因此,在这一阶段,往往会把家庭收入的绝大部分用于消费,有时甚至举债消费,导致消费大于收入;在中青年期有多余 Simplified savings life cycle theory model The savings life cycle theory argues that people generally have lower incomes in adolescence but because future incomes will increase, so at this stage, most of the household income is often spent on consumption, Sometimes even the debt-consuming consumption, resulting in consumption greater than income; in the extra period of youth