遗产、储蓄与经济发展

Bequest, Savings and Economic Development

文化背景的不同使得经济理论的前提假设在东西方不一定同时有效。针对这种现象，分析了西方经典经济理论中普遍运用的“零遗产”假设的不适用性，并在消费函数中引入了“遗产因子”。结合中国目前的经济发展问题，从理论分析和实证分析两个角度分析消费升级缓慢、储蓄增长迅猛的原因，力图为中国“过剩”的经济现象背后寻找深层次的原因——文化原因，即遗产文化。

The culture differences of the Orient and the Occident sometimes cause the situation that the effects of economics theories are not the same. To deal with this problem, the paper analyses non applicability of the “Zero Bequest Hypothesis” which is widely used in west classical economics theories, and introduces “Bequest Factor” into consumption function. From the theoretic and positive viewpoint, the paper, combined with the problems of economy development of China, analyses the reasons of slow consumption upgrading and rapid saving increasing facing the repeated bank interest cuts, and try to find the deep reasons behind the economic phenomena.