基于效用最大化问题和马科维茨模型的婚姻的讨论  

An Analysis of Marriage Based on Utility Maximization Problem and Markowitz Portfolio Selection Model

作　　者：高雁南 GAO Yannan(Shandong Women’s University,Jinan 250300,Chin)

机构地区：[1]山东女子学院,山东济南250300

出　　处：《山东女子学院学报》2018年第3期53-57,共5页Journal of Shandong Women＇s University

摘　　要：效用最大化问题和马科维茨资产组合模型对青年男女缔结婚姻具有积极的理论指导意义:一是通过合并消费降低生活成本,从而扩大金融财富的持有比例并扩大总效用;二是通过结婚规避收入风险,婚后男女双方通过收入合并可以产生支出减少效应,从而扩大金融财富的存量,进而增强家庭成员的总效用。从纯经济学的视角看,它们可以为婚姻这一社会学行为提出较为完美的解释,同时也可以呈现一个独特的研究视角和切入点。Utility maximization problem and Markowitz portfolio selection model can be good illustrations of marriage choices of young women and men. One can increase the proportion of holdings of financial assets through incorporating his or her mate’s consumption and earnings to enlarge their happiness and utility. One can also reduce risk by marriage. Two innovative ideas include the illustration of the reducing effect through incorporated consumption and the key independent variable of utility function： holdings of financial assets. It not only sheds light on marriage from an economic perspective,but also gives a new angle to future economic research on marriage.

关 键 词：效用函数 收入合并 风险 金融资产 

分 类 号：C913.13[经济管理]