家庭A和B生产资源完全相同，且面临相同的利率。两者之间的惟一区别是，家庭A比家庭B更偏好于未来消

费。 a．跨时期最优化是否意味着家庭A应该比家庭B多作投资？ b．在存在信贷配给的情况下，(a)的答案将会有什么变化？ Households A and B have exactly the same productive resources，and they face the same interest rate．The only difference between them is that household A has a stronger preference for future consumption than household B． a．Would intertemporal optimization imply that household A should invest more than household B？ b．How would your answer to(a)change in the presence of credit rationing？