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lef"V&vFkZ'kkL=k osQ fl¼kar



                                ;s ekU;rk,¡ ÚhMeSu osQ fl¼kar osQ fr;Zd Nsn (cross section)
                  uksV                                                                                    C  L
                                ifj.kkeksa dks crkrh gSa ftuosQ vuqlkj vYidkyhu miHkksx iQyu             C
                                js[kh; vkSj xSj&vkuqikfrd gksrk gSA vFkkZr APC  >  MPC  vkSj     E  1     S 1
                                ledkyhu miHkksx iQyu js[kh; vkSj vkuqikfrd gksrk gS vFkkZr  Consum ption  E  E  C  S
                                APC = MPC.  fp=k 9-1 ÚhMeSu dh LFkk;h vk; ifjdYiuk dh               2
                                O;k[;k djrk gS tgk¡ C  nh?kZdkyhu miHkksx iQyu gS tks ,d
                                                  L
                                O;fDr dh vk; vkSj miHkksx osQ chp nh?kZdkyhu vkuqikfrd     Y      Y
                                                                                 O                 1
                                lacaèk O;Dr djrk gS ftl ij APC = MPC. C  xSj&vkuqikfrd       Incom e
                                                                   s
                                vYidkyhu miHkksx iQyu gS tgk¡ ekfir ;k orZeku vk; esa       fp=k 9-1
                                LFkk;h vkSj vLFkk;h nksuksa Hkkx 'kkfey gSa] C  vkSj C  A nksuksa oØ
                                                               L     S
                                OY vk; Lrj osQ ¯cnq E ij cjkcj gSa tgk¡ LFkk;h vk; vkSj ekfir vk; leku gSa vkSj blh izdkj LFkk;h vkSj
                                ekfir miHkksx (YE) leku gSaA E ¯cnq ij vLFkk;h dkjd ugha ik,

                                tkrsA ;fn miHkksDrk dh vk; c<+dj OY  gks tkrh gS rks og vius miHkksx dks vk; esa o`f¼ osQ vuq:i c<+k,xkA
                                                             1
                                blosQ fy, og C  oØ ij E ls E  dh vksj xfr djsxk tgk¡ vYidky esa mldh ekfir vk; OY  gS vkSj ekfir
                                            s           2                                           1
                                miHkksx Y E  gSA ijarq ;fn OY  vk; Lrj LFkk;h vk; Lrj gks tkrk gS rks miHkksDrk blosQ vuq:i vius miHkksx
                                      1  2            1
                                esa o`f¼ djsxk ftlls mldk vYidkyhu miHkksx iQyu C  ljd dj Åij C  ij pyk tk,xk vkSj nh?kZdkyhu
                                                                         s             s1
                                miHkksx iQyu C  dks E  ¯cnq ij dkVsxkA bl izdkj] OY  LFkk;h vk; Lrj ij miHkksDrk Y E  miHkksx djsxkA
                                            L    1                       1                        1 1
                                ÚhMeSu dk LFkk;h vk; fl¼kar fr;Zd Nsn ctV vk¡dM+ksa osQ vuq:i gSA nh?kZdkyhu vk¡dM+s] vk; rFkk miHkksx
                                osQ chp lekuqikrh lacaèk dks crkrs gSaA ijarq nh?kZdkyhu larqyu ekxZ osQ fxnZ vk; osQ vYidkyhu mrkj&p<+ko
                                ls lacafèkr vè;;uksa ls irk pyrk gS fd ekfir vk; rFkk ekfir miHkksx esa xSj&vkuqikfrd lacaèk gSA





                                   D;k vki tkurs gSa  LFkk;h vk; vkSj miHkksx esa vkuqikfrd laca/ gksrk gSA

                                bldh vkykspuk,¡ (Its Criticisms)µfiQj Hkh] bl fl¼kar esa oqQN dfe;k¡ gSaµ

                                1- vLFkk;h vk; vkSj miHkksx esa lglacaèk  (Correlation between Temporary Income and
                                Consumption)µÚhMeSu dh ;g ekU;rk vokLrfod gS fd miHkksx rFkk vk; osQ vLFkk;h Hkkxksa esa dksbZ
                                lglacaèk ugha gSA bl ekU;rk dk eryc gS fd tc ifjokj dh ekfir vk; c<+rh ;k ?kVrh gS] rks mldk miHkksx
                                u rks c<+rk gS] u gh ?kVrk gS] D;ksafd og rnuqlkj u rks cpr djrk gS vkSj u gh O;; djrk gSA ijarq ;g ckr
                                okLrfod miHkksDrk O;ogkj osQ myV gSA ;fn fdlh O;fDr dks vkdfLed ykHk izkIr gks tkrk gS rks og leLr
                                jkf'k cSad [kkrs esa tek ugha djrk vfirq mls leLr ;k vkaf'kd :i ls vius pkyw miHkksx ij O;; djrk gSA
                                blh izdkj] ;fn fdlh O;fDr dk cVqvk xqe gks tk,] rks og viuh t:jrksa dks iwjk djus osQ fy, mruh gh
                                jkf'k cSad ls fudyokus ugha Hkkxsxk] vfirq vius orZeku miHkksx esa dVkSrh vFkok mls LFkfxr djsxkA
                                2-  lHkh vk; oxks± dh APC leku ugha (APC of all Income Groups not Equal)µÚhMeSu dk fl¼kar
                                dgrk gS fd lc ifjokjksa dh APC, pkgs os xjhc gksa ;k èkuh] nh?kZdky esa ,d leku gksrh gSA ijarq ;g ckr
                                ifjokjksa osQ lkekU;&O;ogkj osQ fo#¼ gSA ;g ,d okLrfodrk gS fd fuEu&vk; okys ifjokj viuh vk; dk
                                mruk gh Hkkx cpkus dh {kerk ugha j[krs ftruh fd vfèkd vk; okys ifjokjA bldk ,dek=k dkj.k ;g ugha
                                gS fd mudh vk; FkksM+h gS vfirq ;g Hkh gS fd viuh vèkwjh t:jrksa dks iwjk djus osQ fy, os Hkkoh miHkksx
                                dh vis{kk orZeku miHkksx dks vfèkeku nsaxsA blfy,] fuEu vk; ifjokjksa dh cpr mudh vk; dh lkis{krk esa


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