从储蓄存款的“笼中虎”分析中国储蓄存款安全边界问题

Analysis on Security Boundary for China's Savings Deposit through Interpretation of "Tiger in Cage" Phenomenon in Savings Deposit

居民储蓄存款作为社会稳定与投资资金重要来源,对于国民经济的发展和社会经济稳定有着十分重要的意义。作者认为储蓄存款存在一个合理的区间与安全边界,在这个区间内储蓄存款的增长有利于促进经济的发展,但是超过了这个边界可能会引发重大危机。国内外经济发展情况表明,由储蓄存款的挤兑引发的商业银行倒闭和传导的金融经济危机事件时有发生。文章从"笼中虎"现象切入,采取理论与实践相结合、因素分析法、对比法等方法分析影响储蓄存款安全的主要影响因素,通过关联指标的监测与指标体系的设置,划分出安全、较安全和不安全的数量和质量边界,从而对我国目前的储蓄安全形势进行判断,提出相应的对策。

As the important source for stable sociely and inveshnent capilal, savings deposits of residents is more significant for national economic, development and stable soeiety and economy. The author considers that there are a reasonable limit and a security boundary tier savings deposit. Within the limit,