中国居民储蓄与投资行为分析.doc

摘 要 伴随着国内经济体制改革的变化，我国国民收入与分配的格局也随之发生了翻天覆地的改变。在变化当中最突出的,当属居民收入在国民收入中所占的比重迅速上升，自身可支配的财富也逐步提高。在中国经济大发展的前提背景下，国民的储蓄与投资行为对于经济的发展有越来越重要的意义。此外，居民收入的逐步提高与投资理财观念的逐渐增强.使得人们在对于日常闲置资金的处置上已经不再是单纯的将其储存起来，而是有目的将这部分资金转化为投资行为来获得收益。因此，探讨中国居民储蓄与投资行为的规律，找出主要决定因素，探索储蓄与投资相互转化的方式，并在此基础上对储蓄的变化趋势做初步预测就显得格外的重要。 本篇论文研究目的就是分析近些年来国内居民收入的变化并结合当前的国内经济环境，从居民收入、投资理念、市场环境等多个方面分析居民理财观念的变化和发展以及当前所处的状态并提出相关建议。 关键词：居民储蓄行为, 投资与储蓄, 储蓄与投资的转化,对策的分析 ABSTRACT With domestic economic reform change, our national income and distribution pattern also subsequently has earth-shaking changes. In the most prominent changes in national income, when is the proportion of the income rising rapidly, and their disposable wealth also gradually improved. With Chinas economic development ，under the background of the premise of national savings and investment behavior for the development of economy has more and more important significance. In addition, the gradual increase income and investment banking increased gradually the concept of making people idle funds for the disposal of the daily is no longer simply store it, but a purpose of this part of the funds to get into the investment behavior of revenue .Therefore, how the Chinese residents, savings and investment behavior rule, find out and explore major determinants of mutual transformation between saving and investment way, and based on the change trend of savings do preliminary prediction is an important case. This paper studies purpose is analysis in recent years of domestic residents income changes and combining the current domestic economic environment, from peoples income and investment philosophy, market environment and so on many aspects of the changes in the concept of residents financial analysis and development and the current state of place. Keywords:Residents saving behavior, Saving and investment, Savings and investment transformation, Countermeasure analysis 目 录 引言 1 第一章 现阶段我国居民储蓄的现状 2 1.1居民储蓄行为的含义 2 1.2我国居民收入和消费的状况 2 1.2.1我国居民目前收入状况 2