从根源上看，诚信的缺失是个体追求自身效用最大化的后果。
Seen originally, credit absence is the consequence of individual's pursuit of his own maximum benefit.
对这些因素所致的违约行为运用经济学中消费者效用最大化原理进行分析，我们可以得出消费者违约的最终目的都是为了实现自身效用最大化目标。
By using the economic theory of maximizing consumer's effect to analyze these ACTS of disobeying agreement, we can gain that consumer's final goal is to realize his effect maximizing.
会计政策的选择过程其实是若干利益主体之间的相互博弈过程，每个个体都希望其自身的效用得以最大化。
This choosing process, in which every party hopes to maximize its own utility, is actually a mutual gambling among the bodies.
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