中国居民储蓄现状和行为分析.doc

PAGE PAGE 13 目录 摘要 I Abstract II 一、居民储蓄概述 1 二、我国居民储蓄历史及现状 1 三、影响居民高储蓄的因素分析 2 （一）国内生产总值（ＧＤＰ） 2 （二）居民可支配收入 2 （三）利率 3 （四）消费信贷制度及消费观念 5 （五）居民的传统储蓄观念和心态 6 （六）社会保障制度 6 四、高储蓄对我国经济的影响 6 （一）高储蓄对我国经济的积极影响 6 （二）高储蓄对我国经济的负面影响 8 五、关于改善居民高储蓄问题的政策建议 8 （一）提高居民可支配收入 8 （二）改善投融资市场环境 9 （三）发展和完善消费信贷 9 （四）完善社会保障制度 10 结论 11 参考文献： 12 致谢 13 摘要 我国改革开放促进了国民经济的高速发展,人民收入水平有了较大的提高,城乡居民储蓄存款更是迅猛增长,并已成为我国经济生活中人们关注的热点之一。占目前国内生产总值半数的居民储蓄存款在国民经济中举足轻重,是资金的后备力量和保证。据此可以看出国民生活水平、国家稳定状态、城乡发展差别对国民经济发展的推动作用。高储蓄给我国经济发展带来充足的资金来源，是支持经济快速增长的重要动力，与此同时，也给我国经济发展带来很大挑战，例如我国国内储蓄水平远高于投资水平，给投资造成巨大的效率损失。本文对导致居民高储蓄现象的主要因素进行了分析,这些因素主要包括:居民可支配收入、GDP总额、消费信贷水平、利率和文化性因素、社会保障制度，并针对如何保持合理规模、适度居民储蓄以促进经济持续、快速、健康发展提出一些个人的见解和建议。 关键字：高储蓄；经济发展；利率;投资 Abstract Chinas reform and opening up to promote the rapid development of the national economy, Peoples income level has been greatly improved, Savings deposits of urban and rural residents is more swift and violent growth, And Chinas economy has become the focus of peoples attention in life. Current GDP accounted for half of the savings deposits of residents in the national economy play a decisive role, Capital reserve force and guarantee. Through this figure can peep the national living standard，state steady state, development of urban and rural difference and impetus to the national economy development. High savings to our country economy development brings sufficient capital source, is to support rapid economic growth momentum, at the same time, to our country economy development brings great challenge. For example, Chinas domestic savings levels much higher than the level of investment, to cause great loss of efficiency of investment. This paper led to the high-saving phenomenon and analyses the main factors, these factors mainly include, the disposable income of residents, total GDP, consumer credit level, Interest rate, cultural factors, social security system. And according to how