农村居民储蓄现状及对策分析

Residents' Rural Savings and Its Countermeasures

改革开放以来,中国农民收入增长较快,储蓄增长的幅度更快。农民收入持续增加、对未来预期不确定、融资渠道缺乏等是造成农村居民高储蓄的主要原因,因此需要采取增加农民收入、加强流动性建设、加强社会保障等措施,以减少高储蓄带来的负面影响。

Reform and opening up in China has been nearly 30 years. Chinese farmers income increased, but the savings rate growd faster. The income of the farmers continued to increase, the expected future uncertain, the lack of financing channels caused by rural residents is the main reason for the high savings. Increasing farmers income, strengthening the building of liquidity, strengthen social security countermeasures are main ways of reducing the negative impact of the high savings of farmers.