中国储蓄率高增长的理性分析

A Rational Analysis of High Increase in Chinese Savings Rates

近年来,我国居民储蓄存款规模不断扩大,居民储蓄率保持高位运行。高储蓄率为银行提供了充裕的信贷资金,为国民经济发展做出了巨大的贡献。然而,不断攀升的存款余额也折射出我国经济和社会发展中的一些现实问题。因此,对形成储蓄率持续稳定增长的因素及其产生的影响进行理性分析,具有重要的现实指导意义。

In recent years, Chinese residents＇ saving deposits have been continuously increasing, with their savings rates remaining in a high position. High savings rates have provided plentiful credit fimds for banks and made great contributions to the development of national economy. However, the continuously increased deposits have also reflected some practical problems in the social and economic development of our country. As a result, it is of great practical significance to make a rational analysis of both the factors that have caused the continuous and steady increase of savings rates and the influence it has produced.