他致力于储蓄心理学的研究，阐述了“双曲线贴现率”概念。根据这种概念，个人为遥远将来的事件利用的贴现率低于为较近期事件利用的贴现率。
He has concentrated on the psychology of saving and developed the idea of "hyperbolic discounting", where individuals have a lower discount rate for events far into the future than for closer times.
此外，他们会发现推迟享乐很困难，就像经济学家用双曲线贴现假设的那样。
Moreover, they may find it difficult to defer gratification or, as economists like to put it, they use hyperbolic discounting.
根据平价收益率曲线给出的适当贴现率。在选择互换…
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