我国城乡居民储蓄决定因素及现实意义

Decisive Factors for Saving Deposits From Urban and Rural Citizens and Their Significance

提高消费需求以带动经济增长 ,成为当前政府部门及理论界议论的焦点 ,降息以抑制储蓄、鼓励投资、促进消费的思路 ,形成一些宏观经济政策实施的重要原因。 1996年以来 ,中央银行已连续 7次将息。降息的效果似乎并不理想。借助历史数据来考察居民收入、利率、通货膨胀率及居民对未来预期的不稳定性等因素 。

To increase consumption demands and spur economic growth have been the major concern of the government and the theoretical circles. China's central bank has, seven times since 1996, cut down the interest rate of saving deposits, which, however, falls short of the desired effects. On close observsation, past statistics point to the fact that such factors as to income level, interest rate, inflation rate and people's prediction of future unstability have great influence on saving deposits, which offers new suggestions to achieve the purpose of increasing domestic demand.