论国民收入分流与储蓄存款变化规律

On National Income Allocation and the Law of Saving Deposit Change

储蓄存款是国民收入经历三次分流后的产物。个人可支配收入是储蓄存款的直接来源。“梯级效应”是指收入水平决定消费水平 ,消费水平决定消费结构和消费量的层次递进的作用过程 ;“连代效应”是指消费水平影响储蓄水平 ,消费结构影响储蓄结构、消费是影响储蓄量的影响过程。科学技术、劳动生产率、连带需求既影响消费结构 。

Saving deposit is the product of national income through three allocations. Personal disposable income is the direct source of saving deposit. Escalation effect means that income level determines consumption level, which in turn, determines consumption structure and amount. The joint effect means that consumption level influences saving level, consumption structure influences saving structure. Science and technology, productivity, and related demand not only influences consumption structure but the change of deposit structure.