整个社会是由无数个家庭组成的,家庭是社会的细胞。一个家庭要维持正常的运转,就必须为社会提供服务,获得劳动报酬,然后才能满足吃、穿、住、行等方面的需求。因为家庭、个人的寿命是一个长期的过程,这就必然要求每个家庭当收入大于必需的消费支出时为了各种目标而进行短期、长 The entire community is composed of innumerable families, and the family is the cell of society. In order to maintain normal operation, a family must provide services to the community and receive remuneration for work before meeting the needs of food, clothing, shelter and transportation. Because the life span of the family and the individual is a long-term process, it is inevitable that each family needs to make short-term and long-term plans for various purposes when the income is greater than necessary consumer spending