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¥ 1.0
↑𝑧 ′ → ↑𝑀𝑃 𝐾 ′ → ↑𝐼 𝑑 ↑𝑧 ′ → ↑𝑓𝑢𝑡𝑢𝑟𝑒 𝑖𝑛𝑐𝑜𝑚𝑒→↑𝑙𝑖𝑓𝑒−𝑡𝑖𝑚𝑒 𝑤𝑒𝑎𝑙𝑡ℎ→↑𝐶 𝑑 →↑𝒀 𝒅 Increase in future income because your wage depends on how productive you are Increase in life time wealth because of permanent income hypothesis Consumption smoothing increases consumption demand 𝑌 𝑠 shifts more than 𝑌 𝑑 because假设（当前收入>未来收入，消费平滑节省的节省，↓r）↓𝑟→↓𝑵→劳动的跨暂时性代替劳动↑𝑌，↓𝑟→↑𝑴𝑴𝒅键较少，对金钱的需求降低了，需求增加，因为金钱的需求增加了，因为♦↓R，↑𝑧 𝑧'
零下限和定量放松
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