摘要
近年来,我国居民储蓄一直呈高速增长趋势,其形成的巨额居民储蓄存款已部分影响了我国货币政策传导和银行体系的健康发展。笔者通过对我国居民储蓄分流现状和问题的深入剖析,提出以积极推进储蓄替代型证券的发展作为有效解决居民储蓄分流问题的主要途径。
In recent years, the personal deposits of our country have been showing a tendency to grow at top speed all the time, and the huge resident savings influenced monetary policy conducting and development of banking system seriously. Just based on analysis of above situations, the paper carrys on a deep analysis of current situation and existing problems about Chinese personal deposits distributary, and has proposed advancing the development of the securities which substituted saving actively.
出处
《北华大学学报（社会科学版）》
2005年第1期69-72,共4页
Journal of Beihua University(Social Sciences)
基金
2004年国家人文社会科学基金项目(04BJL027)
关键词
银行体系
储蓄分流
储蓄替代型证券
Banking system
Deposits distributary
The securities which substituted saving
