日本的储蓄模式.ppt

都菲菲 李叶娇 李佳 Savings refers to the output or income for the remainder after consumption, in the national income accounts, savings is a kind of balance, namely unexpended income. It is not only the personal behavior, is also a result of the overall economic operation. Savings are usually classified as national saving, government saving, enterprise savings and household savings Before twentieth Century the beginning of the 90s Japan was one of country has highest saving rate on the world High saving rate for Japans economic growth effect is very great, first of all, savings funds is one of the main channel of bank funding sources; secondly, the government fiscal investment and savings is the main source of funding and financing; third, the high savings rate to meet the demand of enterprise exuberant investment for capital equipment. Therefore, the high savings rate is often referred to as the Japanese economic high growth engine But since twentieth Century the beginning of the 90s, Japans national savings rate significantly changed. Japans saving rate change has a typical characteristic is, since twentieth Century 90 time begin to Japanese national savings rate of decline in the household saving rate is much sharper than the national savings rate decline 1980 ～ 2009 年日本家庭储蓄率和国民储蓄率走势图 1975 to 1985, , it ranked first 1975, ranking second 1980 and 1985, second only to Italy. But after has decreased year by year, 1990, the Japanese had fallen to tied for fourth, 2000, fell further to tenth. The 1991 annual Japanese household savings rate of 15% 2002 year, this figure has dropped to 6.2%. This is the lowest household savings rate since 1980. 2009, Japans household savings rate is only slightly higher than 2%, the OECD ranking still very after leaning, ranked fourteenth. From 2005 to the beginning of the aging of the population in Japan and fewer children has more than Italy,