The optimal consumption and utility of household

[[abstract]]消費支出是經濟成長很重要的因子，若是民間消費停滯或減少，對台灣整體經濟成長與發展有很大的影響。以Campbell and Cocco(2015)模型為基楚，將影響消費增減的貸款價格比、起始房價、最終財富重要性、所得稅稅率及實質房價平均成長率量化。以數字模擬後，得到的結果為貸款價格比、起始房價、最終財富重要性、所得稅稅率對最適消費有反向的影響，而實質房價平均成長率對最適消費有正向的影響。而最終財富重要性對消費的影響是非線性。[[abstract]]Consumption is a very important factor of economic growth If consumption reduces Taiwan's economic growth and development have a great affect The study based on the model of Campbell & Cocco (2015) and obtain several important parameters for affecting consumption The results from model: loan-to-value initial price the importance of terminal wealth and income tax rate are negative average growth of real house price are positive relative consumption The conclusion is the same with literatur