居民储蓄——投资转化的理论分析与现实思考-产业经济学专业论文.docxVIP

摘要当前，我国国民经济运行中一个严峻的现实问题是：经济增 摘要 当前，我国国民经济运行中一个严峻的现实问题是：经济增 长速度减缓，有效需求不足，市场萧条，投资难以启动。另一方面， 居民储蓄愿望强烈，储蓄存款迅猛增长，一路攀升。截止2000年 1月，居民储蓄存款突破6万亿元大关，但是高额储蓄却难以转化 为投资。 现代经济学认为：储蓄是投资的源泉，投资是经济增长的动 力。在当前我国国民收入流程格局发生重大变革的时期，居民成为 国民储蓄的最大主体。促进居民储蓄转化为投资，拉动经济增长已 经成为我国经济现实关注的焦点。 居民储蓄向投资转化实际上是一种资本形成或融资机制，是 我国经济增长的主要原动力。在储蓄主体与投资主体发生分离的情 况下，居民储蓄向投资转化主要依靠银行主导型的储蓄——投资机 制。它对于推动我国经济迅速增长特别是金融事业的发展，一度扮 演了重要角色。随着经济的发展和金融改革的深化，这一机制面临 诸多现实困境。构筑新型的居民储蓄——投资转化机制；提高转化 效能，对于刺激经济增长具有深远的现实意义。 本文立足于我国居民储蓄、投资发展现状，评析了传统居民 储蓄——投资转化机制的风险与弊端，对未来新型转化机制提出了 合理构想，并进一步深入分析了居民储蓄——投资转化的经济增长 方式的转型意义，在政策选择上阐述了制度创新对于居民投资发展 的重大现实意义。 关键词：居民储蓄 居民投资 转化机制制度创新 AbstractToday，the Abstract Today，the serious problem of our national economic development is：the speed ofeconomic growth slows down；lack ofvalid demand．the market iS dull and the investment iS hard to start．On the other hand．the household saving deposit increases quickly．The number of total saving deposit breaks through the limit of 6，000，000 million by the end of January 2000，but it call hardly be changed into investment． Modem economic says：Saving iS the fountain of investment and inveitment iS the motive power of economic growth，During the period when the circuit and distribution of our national income has been reformed largely,household has become the largest behaviors body of national saving． Promoting household saving transform into investment and pulling the economic growth iS the foCUS of our national economy．Household saving transform into investment iS actually a mechanism of capital fom or circulate funds．it iS the primary force of our national economic growth．Under the condition that saving body and invest body iS relatively separate．household saving transform into investment mainly rely on the saving．investing mechanism which the bank iS the leading factor and plays a important role in promoting our national economic growth．especially for the development of financiaI enterprises．With the economic growth and the financial reform deepen，this mechanism faces