The author derives a new concept model of discounting utility function or consumption on a theoretical basis. He surveys the formation and evolution models of the subjective discount factor. This paper focuses on exponential and hyperbolic discounting utility model, which belongs to the...

This paper deals with the calculation of the rate of risk behaviour of consumers. For the purposes of deriving the coefficient of risk behaviour of consumers (CRBC), the author uses the ratio of deposits and loans of households to their net disposable income. In the paper, it is assumed that a...

This paper deals with the relationship of short-term and long-term interest rates and the amount of deposits and loans of households. The aim is to demonstrate the relationship between interest and Current Discount Index (CDI). CDI expresses the growth rate of the ratio of loans to deposits of...

The paper deals with the derivation of the subjective discount rate and for this purpose; it introduces a new subjective discount index: Current Discount Index (CDI). The author assumes a very close relationship with the commonly known subjective discount rate (