引入遗留财富重视程度因子,在无借贷约束和不允许借贷约束的条件下,建立了有穷时间限的最优消费与资产决策模型.运用随机最优控制理论及鞅最优性原理求出了模型的显式最优解.在此基础上,运用比较静态分析方法考察了在有约束和没有约束两种市场中的消费行为,并对两种市场中的消费和资产决策行为进行了比较研究. Introducing the factor of importance of legacy wealth, we establish the optimal consumption and asset decision-making model with finite time limit under the condition of no borrowing constraints and no borrowing constraints. Using the stochastic optimal control theory and the martingale optimality principle, The explicit optimal solution of the model.On the basis of this, the comparative static analysis method is used to examine the consumer behavior in two markets with and without constraint, and a comparative study of consumer and asset decision-making behavior in the two markets .