原创力文档金融学（第四版）课件：Financial Aspects of the Household, Business, Government, and Rest-of-the-World Sectors.pptx
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FinancialAspectsoftheHousehold,Business,Government,andRest-of-the-WorldSectors
2HouseholdBehaviorfromaFinancialPerspectiveThecollectionofrealassets,financialassets,andliabilitiesiscalledaportfolioahousehold’sportfoliocanbedisplayedonabalancesheetmeasuresassets,liabilities,andnetworthonaparticulardateAggregatingoverallhouseholdsgivesabalancesheetforthehouseholdsector
3TheBalanceSheetEntriesoftheHouseholdSector
4HouseholdBehaviorfromaFinancialPerspectiveConsumptionexpendituresarethelargestcomponentofaggregatedemandthus,householdspendingisextremelyimportantinthemacroeconomy
5HouseholdBehaviorfromaFinancialPerspectiveResearchintoconsumerbehaviorsuggeststhathouseholdportfoliodecisionsareguidedbycertainobjectives,includingahighstandardoflivinghouseholdswilldevelopdesiredportfoliosintheirefforttoachieveabetterquantityandqualityoflife
6AssetAccumulation:SpendingandSavingHouseholdsacquirerealassetswhentheyengageinconsumptionspendingondurablegoodsorinvestmentspendingonnewlyconstructedhousestheydesirerealassetsfortheflowofservicestheyprovidecertainrealassetsmaybedesiredbecauseofexpectedcapitalgains
7AssetAccumulation:SpendingandSavingFinancialassetsserveasastoreofvalueorpurchasingpowerthatcanbeusedinthefuturegenerallyprovideincometotheholderintheformofinterestanddividends(andsometimescapitalgains)
8AssetAccumulation:SpendingandSavingRetirementandfuturespendingplansprovidestrongmotivesforhouseholdstobecomenetlendersUncertaintyalsoprovidesasubstantialmotiveprovidesadesiretoholdliquidassets
9LiabilityAccumulation:BorrowingPeriodically,ahouseholdwillconsumemorethanitscurrentincomeorportfolioofassetscanfinanceatthattimethisiswheretheaccumulationoffinancialliabilitiescomesin
10LiabilityAccumulation:BorrowingAdecisiontobo
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