我国居民高储蓄率成因分析

An Analysis of Chinese Residents' High Savings Rate

当前,我国居民储蓄率高的原因,主要是国民收入分配差距大,历史传统文化和医疗、养老、住房、教育产业化等政策的误导以及投资环境发展滞后与投资渠道狭窄,社会保障制度不健全等方面。政府应通过深化制度改革,缩小收入分配差距,拓宽个人投资渠道;开发消费热点,引导居民合理地安排收入,建立健全社会保障制度,从而促进居民储蓄率适度增加。

The reasons of high savings rate are the large gap in national income distribution;the misleading policy in traditional culture,medical treatment,pension,housing,and educational industrialization;backward investment environment and narrow investment channel;and incomplete social security system.The government should narrow the gap of income distribution and expand individual investment channel by reform,develop hot consumption to guide the residents to arrange their income reasonably,and improve social security system to keep the savings growth moderately.