第六组宏观文英语版.docVIP

西南财经大学天府学院 2012 级 宏观经济学论文 论文题目 ： 浅谈近年居民储蓄过快增长的原因及建议 小组 ： 宏观经济学08班第六组 所在学院： 西南财经大学天府学院 专 业： 宏观经济学 指导教师： 刘恩栋 2013年10月 content 一.The domestic current situation of the savings 4 二. The reason of household savings increase 5 （一）The social security system is inadequate 5 （二） there are several investment channels, consciousness of investing is not strong 7 （三） Residents consumption tend to be low and little of consumption variety 9 三．To solve the policy recommendations on the growth of household savings 10 （一） The development of strong peoples consumer confidence continued balance of Chinas economy 11 （二） Expanding the coverage of security system 13 1. A unified social security management mechanism, improve the management level 13 2. To establish a sound social security system 14 （三） To break the system barriers, widen the investment channels, increase financial innovation 16 （四）Adjustment of consumption structure, make consumption growth 18 （五）Changing the concept of personal finance and enhance residents’ investment desire 19 四．Summaries 20 Abstract In fact, our household savings rises quickly years. Although the government make some measures to encourage the household consumption and it’s not significant. The household savings growths again since The People’s Bank Of China announced that the appreciation of the RMB in 2% on 21 July 2005. According to the theory of crowding out, the savings growth is a deterioration of macroeconomic institutions in a certain sense after the appreciation of the RMB. In the face of this problem, a effective solution is to perfect social security system to eliminate residents psychological barrier and broaden investment channels, enhance liquidity, thus the continuous growth of the economy. Keywords: household savings, social security, investment channels, the appreciation of the RMB. 一.The domestic current situation of the savings （数据来源于中国统计局2006