题目内容
（请给出正确答案）
[主观题]
本章用费雪模型讨论了一个消费者把自己部分第一期收入储蓄起来时的利率变动。相反，现在假设消费者是一个借贷
者，这会使分析如何发生变化？讨论在两个时期中消费的收入与替代效应。
The chapter uses the Fisher model to discuss a change in the interest rate for a consumer who saves some of his first-period income. Suppose, instead, that the consumer is a borrower. How does that alter the analysis？ Discuss the income and substitution effects on consumption in both periods.
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