{"id":25738,"date":"2023-12-07T01:45:08","date_gmt":"2023-12-07T01:45:08","guid":{"rendered":"https:\/\/masterskills.org\/blog\/lua-chon-lien-thoi-gian-intertemporal-choice-la-gi-cac-quyet-dinh-ve-lua-chon-lien-thoi-gian.html"},"modified":"2023-12-22T10:46:53","modified_gmt":"2023-12-22T03:46:53","slug":"lua-chon-lien-thoi-gian-intertemporal-choice-la-gi-cac-quyet-dinh-ve-lua-chon-lien-thoi-gian","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/lua-chon-lien-thoi-gian-intertemporal-choice-la-gi-cac-quyet-dinh-ve-lua-chon-lien-thoi-gian.html","title":{"rendered":"L\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian (Intertemporal Choice) l\u00e0 g\u00ec? C\u00e1c quy\u1ebft \u0111\u1ecbnh v\u1ec1 l\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda<\/p>\n<\/div>\n<\/div>\n

L\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian (Intertemporal Choice)<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

L\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian<\/b> trong ti\u1ebfng Anh l\u00e0 Intertemporal Choice.<\/i><\/p>\n

L\u1ef1a ch\u1ecdn li\u00ean\u00a0th\u1eddi gian<\/i> l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef kinh t\u1ebf m\u00f4 t\u1ea3 c\u00e1ch th\u1ee9c c\u00e1c quy\u1ebft \u0111\u1ecbnh hi\u1ec7n t\u1ea1i c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nh\u1eefng l\u1ef1a ch\u1ecdn c\u00f3 s\u1eb5n trong t\u01b0\u01a1ng lai. V\u1ec1 l\u00ed thuy\u1ebft, b\u1eb1ng c\u00e1ch kh\u00f4ng ti\u00eau th\u1ee5 ng\u00e0y h\u00f4m nay, m\u1ee9c ti\u00eau th\u1ee5 c\u00f3 th\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3 trong t\u01b0\u01a1ng lai v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n

C\u00e1c quy\u1ebft \u0111\u1ecbnh v\u1ec1 l\u1ef1a ch\u1ecdn li\u00ean\u00a0th\u1eddi gian<\/font><\/h3>\n

Nhi\u1ec1u l\u1ef1a ch\u1ecdn ch\u00fang ta \u0111\u01b0a ra g\u00e2y h\u1eadu qu\u1ea3 cho t\u01b0\u01a1ng lai. Ch\u1eb3ng h\u1ea1n, vi\u1ec7c quy\u1ebft \u0111\u1ecbnh chi bao nhi\u00eau ti\u1ec1n trong hi\u1ec7n t\u1ea1i v\u00e0 bao nhi\u00eau \u0111\u1ec3 t\u00edch tr\u1eef c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng c\u1ee7a ch\u00fang ta c\u1ea3 \u1edf hi\u1ec7n t\u1ea1i v\u00e0 trong nh\u1eefng n\u0103m ti\u1ebfp theo.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty, c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 kh\u00e1c nhau li\u00ean quan \u0111\u1ebfn s\u1ef1 l\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian<\/i>. M\u1eb7t kh\u00e1c, \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n, c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra trong th\u1eddi gian ng\u1eafn c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u01a1 h\u1ed9i t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn ti\u1ebft ki\u1ec7m v\u00e0 l\u01b0\u01a1ng h\u01b0u.<\/p>\n

M\u1ed9t c\u00e1 nh\u00e2n ti\u1ebft ki\u1ec7m v\u00e0 ti\u00eau th\u1ee5 \u00edt h\u01a1n h\u00f4m nay s\u1ebd khi\u1ebfn cho l\u1ee3i \u00edch hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd b\u1ecb suy gi\u1ea3m. Theo th\u1eddi gian, ti\u1ec1n ti\u1ebft ki\u1ec7m t\u0103ng l\u00ean, t\u0103ng s\u1ed1 l\u01b0\u1ee3ng h\u00e0ng h\u00f3a m\u00e0 c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 ti\u00eau th\u1ee5 v\u00e0 do \u0111\u00f3, l\u1ee3i \u00edch t\u01b0\u01a1ng lai c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 t\u0103ng l\u00ean.<\/p>\n

Xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i<\/b><\/p>\n

H\u1ea7u h\u1ebft c\u00e1c c\u00e1 nh\u00e2n c\u00f3 xu h\u01b0\u1edbng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi c\u00e1c r\u00e0ng bu\u1ed9c v\u1ec1 ng\u00e2n s\u00e1ch ng\u0103n c\u1ea3n h\u1ecd ti\u00eau th\u1ee5 \u0111\u1ebfn m\u1ee9c mong mu\u1ed1n. Tuy nhi\u00ean, c\u00e1c nh\u00e0 l\u00ed lu\u1eadn t\u00e0i ch\u00ednh h\u00e0nh vi th\u01b0\u1eddng th\u1ea5y r\u1eb1ng xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i l\u00e0 ph\u1ed5 bi\u1ebfn, cho th\u1ea5y m\u1ecdi ng\u01b0\u1eddi th\u00edch chi ti\u00eau \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, b\u1ea5t k\u1ec3 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 c\u00f3 th\u1ec3 c\u00f3 trong nh\u1eefng n\u0103m sau \u0111\u00f3.<\/p>\n

S\u1edf th\u00edch n\u00e0y t\u1eadp trung v\u00e0o ti\u00eau d\u00f9ng hi\u1ec7n t\u1ea1i khi\u1ebfn cho nhi\u1ec1u c\u00e1 nh\u00e2n \u0111\u01b0a ra nh\u1eefng l\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian<\/i> ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u trong ng\u1eafn h\u1ea1n v\u00e0 mong mu\u1ed1n nhi\u1ec1u h\u01a1n trong c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 l\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian<\/b><\/p>\n

N\u1ebfu m\u1ed9t c\u00e1 nh\u00e2n chi ti\u00eau qu\u00e1 tay, ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u1ea3 ti\u1ec1n cho m\u1ed9t k\u00ec ngh\u1ec9 v\u00f2ng quanh th\u1ebf gi\u1edbi v\u01b0\u1ee3t qu\u00e1 ng\u00e2n s\u00e1ch th\u00f4ng th\u01b0\u1eddng c\u1ee7a h\u1ecd v\u00e0 mong mu\u1ed1n c\u00f3 m\u1ed9t ngu\u1ed3n t\u00e0i ch\u00ednh b\u1ed5 sung \u0111\u1ec3 trang tr\u1ea3i th\u00ec \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn t\u00e0i s\u1ea3n d\u00e0i h\u1ea1n. Ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 th\u1ec3 r\u00fat m\u1ed9t kho\u1ea3n vay c\u00e1 nh\u00e2n, th\u1ebb t\u00edn d\u1ee5ng c\u00f3 gi\u1edbi h\u1ea1n vay, ho\u1eb7c th\u1eadm ch\u00ed r\u00fat ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed khi c\u00f3 th\u1ec3 \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed.<\/p>\n

L\u1ef1a ch\u1ecdn nh\u01b0 v\u1eady s\u1ebd l\u00e0m gi\u1ea3m t\u00e0i s\u1ea3n m\u00e0 c\u00e1 nh\u00e2n \u0111ang c\u00f3 \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed. Ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 th\u1ec3 ph\u1ea3i t\u00e0i tr\u1ee3 cho c\u00e1c h\u00ecnh th\u1ee9c thu nh\u1eadp b\u1ed5 sung \u0111\u1ec3 gia t\u0103ng ti\u1ec1n l\u01b0\u01a1ng cho m\u00ecnh nh\u1eb1m b\u00f9 \u0111\u1eafp cho s\u1ef1 suy gi\u1ea3m c\u1ee7a t\u00e0i s\u1ea3n.<\/p>\n

\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 tr\u1edf n\u00ean tr\u1ea7m tr\u1ecdng h\u01a1n n\u1ebfu c\u00e1c s\u1ef1 ki\u1ec7n kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn thu nh\u1eadp hi\u1ec7n t\u1ea1i. Ch\u1eb3ng h\u1ea1n, m\u1ea5t vi\u1ec7c \u0111\u1ed9t ng\u1ed9t s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c b\u00f9 \u0111\u1eafp c\u00e1c kho\u1ea3n chi ph\u00ed g\u1ea7n \u0111\u00e2y v\u00e0 d\u00e0nh m\u1ea5t qu\u0129 cho h\u01b0u tr\u00ed. N\u1ebfu ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ef1c hi\u1ec7n m\u1ed9t giao d\u1ecbch mua l\u1edbn v\u00e0 sau \u0111\u00f3 b\u1ecb sa th\u1ea3i, c\u00e1c l\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian<\/b> c\u1ee7a anh \u1ea5y hay c\u00f4 \u1ea5y k\u1ebft h\u1ee3p v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i s\u1ebd thay \u0111\u1ed5i c\u01a1 h\u1ed9i trong t\u01b0\u01a1ng lai c\u1ee7a anh \u1ea5y hay c\u00f4 \u1ea5y.<\/p>\n

C\u00f3 l\u1ebd c\u00e1 nh\u00e2n \u0111\u00e3 l\u00ean k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u \u1edf m\u1ed9t \u0111\u1ed9 tu\u1ed5i nh\u1ea5t \u0111\u1ecbnh ho\u1eb7c \u0111ang trong qu\u00e1 tr\u00ecnh ho\u00e0n th\u00e0nh vi\u1ec7c chi tr\u1ea3 h\u1ebft m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p. S\u1ef1 thi\u1ebfu h\u1ee5t t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 ho\u00e3n ngh\u1ec9 h\u01b0u ho\u1eb7c nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 t\u1ee9c th\u1eddi h\u01a1n.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: investopedia.com)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n L\u1ef1a ch\u1ecdn li\u00ean th\u1eddi gian (ti\u1ebfng Anh: Intertemporal Choice) l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef kinh t\u1ebf m\u00f4 t\u1ea3 c\u00e1ch th\u1ee9c c\u00e1c quy\u1ebft \u0111\u1ecbnh hi\u1ec7n t\u1ea1i c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nh\u1eefng l\u1ef1a ch\u1ecdn c\u00f3 s\u1eb5n trong t\u01b0\u01a1ng lai.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/25738"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=25738"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/25738\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=25738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=25738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=25738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}