近十多年来，经济学界对因跨时贸易而引起的跨时消费进行了开创性的研究，本文针对美国经济学家所提出的一个跨时消费模型，结合我国的现实，对跨时预算约束条件进行了补充与修正，并就跨时消费的决定因素、相互影响及其对总产出的影响进行了较为深入与细致的研究。通过对家庭的消费与储蓄决策问题作跨时期性质的分析与探讨，可以较为深入地理解我国目前所出现的宏观经济的非均衡状态。最后针对我国跨时消费现象提出了相应的对策。 In the past ten years or so, economists have done pioneering research on cross-duration consumption caused by cross-time trade. According to a cross-duration consumption model proposed by American economists and the reality of our country, Constraints were supplemented and amended, and on the determinants of cross-time consumption, the impact of each other and its impact on total output conducted a more in-depth and detailed study. By analyzing and discussing the household consumption and saving decision-making problems over a period of time, we can understand the current macro-economic imbalance in our country. Finally, countermeasures against cross-time consumption in our country are put forward.