我国居民储蓄高度增长的原因及对策分析

The Analysis on the Causes and the Countermeasures to Over-increasing Household Savings in China

2006年初,我国城乡居民储蓄高达16亿元,居民储蓄的高速增长,一方面为我国经济建设提供了资金储备,另一方面也影响了资金向投资的转化。高储蓄现象的形成,主要受我国居民收入水平、消费水平、投资渠道、生命周期等因素的影响。而要改变这种现象,既要完善社会保障体系,又要调整国民收入分配关系,还需转变居民个人理财观念。

The total household savings in China had added up to ￥1.6 billion by the beginning of 2006. The rapid growth of household savings have supported the source of main capital to our economic development, however, it influences the transform of capital into investment. The over-high household savings can be attributed to the level of income and consumption of the residents, the channels of investment, life cycle, etc. The conntermeasures to this phenomenon are to perfect social security, adjust the distribution of national income, and transform the financial ideas of residents.