點解呢???????
當rate of interest 下降,紅酒會遲d賣出去??
點解rate of interest 下降,接受教育ge成本下降??
2007-10-22 8:31 pm
回答 (3)
2007-10-24 6:17 am
✔ 最佳答案
問題1. r下跌 教育投資上升問題2. r下跌 紅酒遲賣出
1.第一假設:效益極大化，人們爭取最大效益
第二假設:其他因素不變
第三假設:人們預期教育後可使收益上升
概念 一 預期收入-預期成本=收益
當r下跌--->預期成本下跌，假設其他因素不變，收益會上升，收益上升--->投資教育上升。
(預期成本下跌因為如果人們借錢投資教育，借錢成本下跌或金錢放在銀得的替代成本下跌所產生的結果)
2.同以上的假設，但加上
第四假設:紅酒越久越貴
當r下跌-->預期成本下跌-->收益上升
因為紅酒賣出﹐要點在於延長時間會導致收入上升，所以主要問題在於時間所帶來的總成本下跌才會令收益上升，所以利率令時間成本下跌的主要原因。其為利率作為資本的利息，即是利率是投資的成本，當利率越低，成本越低，那麽利率向下調整時，願意投資的時間成反比關係，即是願意投資的時間越長，因為其間的投資成本下跌了。
圖片參考：http://www.sinica.edu.tw/~tdbproj/dict/images/fe59.jpg
圖片參考：http://www.sinica.edu.tw/~tdbproj/dict/images/fe5a.jpg
圖片參考：http://www.sinica.edu.tw/~tdbproj/dict/images/fe5b.jpg
2007-10-27 10:29 am
其實教育成本點解下降,係因為成本是指機會成本
政府比左錢去投資教育放棄把e個錢入銀行收息
息口下降即放棄利息少了,成本少了
政府比左錢去投資教育放棄把e個錢入銀行收息
息口下降即放棄利息少了,成本少了
2007-10-23 8:44 am
Getting education is an investment because you forgo immediate earning opportunity. With education, your labour is worth more. You expect your future income will compensate for your lost income in the first few years.
The income you forgo has an opportunity cost. For example with your income you can buy a bond that gives you 5% interest annually. If the interest on the bond is 7%, you are forgoing more income when you go to university. It works the other way when the interest falls. The opportunity cost of going to university is lower.
You can look at it in another way. Future income must be discounted to get its true present value. For example, at 5% interest rate, $105 a year from now is worth the same as $100 in your pocket now. At 10% interest rate, $110 a year from now is worth the same as %100 in your pocket now. The cost of education is the lost income Plus interest. At lower interest rate, the cost of education is lower.
Aging red wine is also a form of investment. The longer the wine is aged, the higher price you can sell the wine. But the later you sell the wine, you are forgoing more income, money from selling the wine and the interest income from that money. At higher interest rate, the opportunity of aging the wine is higher. At lower interest rate, you can afford to age the wine longer and fetch a better price.
The income you forgo has an opportunity cost. For example with your income you can buy a bond that gives you 5% interest annually. If the interest on the bond is 7%, you are forgoing more income when you go to university. It works the other way when the interest falls. The opportunity cost of going to university is lower.
You can look at it in another way. Future income must be discounted to get its true present value. For example, at 5% interest rate, $105 a year from now is worth the same as $100 in your pocket now. At 10% interest rate, $110 a year from now is worth the same as %100 in your pocket now. The cost of education is the lost income Plus interest. At lower interest rate, the cost of education is lower.
Aging red wine is also a form of investment. The longer the wine is aged, the higher price you can sell the wine. But the later you sell the wine, you are forgoing more income, money from selling the wine and the interest income from that money. At higher interest rate, the opportunity of aging the wine is higher. At lower interest rate, you can afford to age the wine longer and fetch a better price.
收錄日期: 2021-04-25 20:32:46
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20071022000051KK01001