Decision Making as Output and Bounded Rationality

  The classical economics theories proceed on the assumption of rational agents. Rationality implies the economic agents undertake actions or exercise choices based on the cost-benefit analysis they undertake. The assumption further posits that there exists no information asymmetry and thus the agent is aware of all the costs and benefits associated with the choice he or she has exercised. The behavioral school contested the decision stating the decisions in practice are often irrational. Implied there is a continuous departure from rationality. Rationality in the views of the behavioral school is more an exception to the norm rather a rule. The past posts have discussed the limitations of this view by the behavioral school. Economics has often posited rationality in the context in which the choices are exercised rather than theoretical abstract view of rational action. Rational action in theory seems to be grounded in zero restraint situation yet in practice, there are numerous restra

A Note on Circular Flow of Income and National Income Accounts


Macroeconomics differs from microeconomics in the mode of analysis. While the latter uses the bottom up approach using a profit maximising firm or utility maximising individual as the starting point, the former uses the geographic construct of an economy as a starting point. To borrow from the forest, one can analyse the forest from the point of the various animals, birds, reptiles, insects, plants, shrubs, creepers, trees, herbs, caves, water bodies, soil among many other entities found in the forest. One can analyse them individually, their functions in a group, their interactions, etc. This is bottom up approach, thus the micro way of analysis. The other way is to have helicopter view or bird’s eye view of the forest. One can observe the total area the forest occupies as percentage of landmass, the oxygen content released by the forest, the carbon dioxide and other green gases absorbed by the forest, the amount of water by volume in the forest, the nature of flora and fauna in the forest among the other things. Since one is analysing through the bird’s eye view, it can be termed as the macro approach. Hence applying to the economy, a geographic construct in itself, microeconomic and macroeconomic approaches can be designed.

Macroeconomic analysis begins with the two central players, the firm and the household. The firm produces goods and services which the household consumes. The household needs monetary resources to engage in consumption of these goods and services which they earn by providing factor services to the firms. The firms need to pay for the factors of production which can be termed as factor costs. These costs are recovered through the sales of the produced goods and services.

The household provides factor services in form of labour services, land, money and the entrepreneur. The firm makes use of the labour resources and pays wages to them. Similarly the monetary resources generated from the household are converted to build the physical capital with interest being the factor payment. Further the land is utilised through the factor payment called rent. The entrepreneur is in the business to earn profits, his or her factor payment. The identity emerges from here in the form of overall factor costs through a combination of wages, rent, interest and profit. The summation of this is what is termed as Gross Value Added. It represents the value addition to the good or service by different factors of production. If the profits occupy the highest share, it indicates the entrepreneur contributed the highest share in the production relative to the other factors of production. Since the aggregate goods were measured through the summation of factor costs, in the earlier terminology, it was usually referred as the GDP at factor costs.

When the firm sells the goods, there are indirect taxes to be paid while also taking advantage of subsidies which reduce the price. Therefore indirect taxes minus subsidies is termed net indirect taxes which when added to the GVA is called the Gross Domestic Product (GDP). The market value of all final goods and services produced in an economy in a given period of time is what is conventional definition of GDP and also referred as Aggregate Supply.

To a household, the factor incomes thus received, becomes a source to buy goods and services from the firm. The total amount of final goods and services consumed by a domestic household is called Private Final Consumption Expenditure or in simple terms Consumption. The households however do not merely consume all their income but also save some amount for a rainy day. The savings are channelized through the financial intermediaries. In a financial system, the intermediaries act as a bridge between the ultimate borrowers and ultimate lenders. Households have surplus funds but cannot find the right borrower due to the transaction costs, the same affects the firms in deficient money. The financial intermediaries like banks act as the bridge thus the savings are channelized into the firms as Investment. Investment refers to asset creation in the economy as technically termed as Gross Capital Formation.

There is a government in the economy to which the household and the firms pay taxes in exchange for public services and provision of public goods. The government route the taxes back into the system as government expenditure. Further, the domestic households also buy goods and services from abroad through imports and domestic firms sell goods and services to the overseas households called exports.

The additive identity of consumption, investment, government expenditure and net exports (Exports-Imports) constitute the Aggregate Demand in the economy. It refers to the aggregate spending that happens at an economy level thus the reflection of the demand patterns in the economy.

While the GDP can be taken as proxy for national income, in reality it is not so. The GDP refers to the domestic production aggregates irrespective of the nationality of the factors of production. The domestic nationals might produce not just in their home country but also abroad bringing in income. This income has to be factored in the calculation of national income. Similarly the foreign nationals might earn income through productive activities in the domestic territory which is not part of national income. Therefore, a new term Net Factor Income from Abroad is calculated (Income from abroad- Income to abroad). Adding this to the GDP will give us the Gross National Income (GNI) or Gross National Product (GNP). Some amount capital created is utilized in the same time period thus has to be depreciated.  GNI minus Depreciation will give the Net National Income which represents the measure for national income.

The measures explained above are the first step in understanding macroeconomics. The model adopted to link the firm, household, government and external sector represents a circular movement of money and goods thus popularly called the circular flow of income model. An understanding of the above will create the necessary foundations for a in-depth study of macroeconomics and the vast conclusions that one derives from the same.

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