中国居民储蓄高增长的经济研究

The Empirical Research of the Rapid Growth of Household Savings in China

居民储蓄是国民储蓄的重要组成部分。居民储蓄的快速增长,成为我国经济发展的主要资金来源。但过高的储蓄,必然伴随着投资或消费的不足。本文通过对影响居民储蓄的主要因素进行定量分析,发现国民生产总值、利率水平、政府政策以及居民收入差距对储蓄水平起到了重要的作用,在此基础上,通过进一步分析,针对我国偏高的居民储蓄提出建议与对策。

Household savings is one of the key part of national savings. The rapid growth of the household savings has become the source of main capital of our economic development, however, overhigh savings must come together with the shortage of investment or consumption. This article tries to analyze the main reasons which affect China＇s household savings by quantitative analysis, and then upon this base, it proposes some suggestions and recommendations to our country＇s higher interest rate.