[摘要]本文将年金保险引入家庭支出决策模型中，从微观层面上考察了个体对年金保险的需求。
Abstract: By introducing annuity insurance into the family expenditure model, we studied individual demands for annuity insurance on the micro level.
从心理学的层面上讲，个体差异研究的是人与人之间性格不同的原因及差别程度。
Individual difference as a topic in psychology is concerned with understanding the reasons and extent to which people's personality differs.
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