随着经济的发展和生活水平的提高, 慢性病日益成为消费者健康危机的主要来源, 作为应对, 消费者一方面通过储蓄以备不时之需, 另一方面通过健康投资进行预防, 因此, 如果将储蓄和健康投资引入消费者效用函数, 构建一个基于世代交叠的消费者决策模型, 则可以讨论健康投资、储蓄以及其他消费如何影响寿命预期的内在机制.通过对模型的均衡分析,结果发现随着收入的递增,为了达到更长的寿命预期,人们一般倾向于进行储蓄和健康投资,且健康投资的增速要快于储蓄,而一般性消费则在逐步递减,从而为预防性储蓄之谜的解释提供了新的视角.

With the improvement of the economic development and living standards, chronic disease is increasingly becoming a major source of consumer health crisis. In response, on the one hand, consumers save for a rainy day, on the other hand, they play healthy investment for prevention. In order to discuss the internal mechanism of how health investment, savings and other consumer products have influenced the life expectancy, we build a consumer decision-making model based on overlapping generations by introducing savings and health investment into consumer utility function. We find that with increasing incomes, people generally tend to keep healthy savings and investment to achieve a longer life expectancy by analysis of the model balanced. At the same time, the growth of the healthy investment is faster than that the savings, but general consumption is gradually decreasing, which thus provides a new perspective for precautionary saving mystery of interpretation.