考虑支付同样利率的两个储蓄账户。一个账户允许你需要时取钱。第二个账户要求你提款前30天提前通知。你要哪一个账户?为什么?你可以想象一个可能做出相反选择的人吗?这些选择就消费函数理论能告诉我们些什么? Consider two savings accounts that pay the same interest rate. One account lets you take your money out on demand. The second requires that you give 30-day advance notification before withdrawals. Which account would you prefer? Why? Can you imagine a person who might make the opoosite choice? What do these choices say about the theory of the consumption function?