对中国居民储蓄持续高增长的思考

Reflection on Ever-increasing Savings Deposits of China's Residents

改革开放以来 ,中国居民储蓄呈平稳增长态势 ,高储蓄能为中国经济的可持续发展提供良好的条件 ,但居民储蓄的过度增长 ,会造成储蓄资源的相对过剩 ,如不能对“过剩”的储蓄存款加以引导分流 ,势必造成损失和浪费 ,从而影响国民经济的顺畅进行和可持续发展战略的实施。笔者通过对储蓄高增长的原因、正负效应的分析 。

Since the adoption of reform and open-up policy,the savings deposits in China have been on the steady increase.This can provide good condition for the sustainable development of China's economy,but excessive savings deposits can also give rise to the relatively surplus of deposits.If the surplus cannot be diverted,damage and waste will for sure be caused,thus affecting the smooth development of national economy and the strategy of sustainable development.The author analyzes the causes of enormous growth of savings deposits and their positive and negative effects,thus posing corresponding remedial measures. [