运用税收政策提升居民储蓄存款的投资、消费转化率

Using Tax Policy to Rise Transforming Rate of Savings to Investment and Consume

随着分配格局的变化,我国越来越表现出明显的“超储蓄”现象。“超储蓄”现象的成因有两个方面:一是国家的保障制度还不够健全;二是投资和消费的安全性不够、动力不足。要促使储蓄转化为投资和即期消费,主要可以通过部分修改税法、开征个人财产税、开征社会保障税和调整个人所得税等税收政策来完成。

With the variety of distribute,exceed savings become more and more evident in our country.This have two reasons:First,our country's guarantee system is not perfect.Second ,investment and consume is insecurity and lacking power.The way to enhance investment and consume major be part amending tax law,levying personal property tax,levying social security tax and adjusting individual incoming tax.