“功在国家,利在自己”:新中国初期的保本保值储蓄

Merit to the Country,Benefit to Oneself:Break-even and Inflation-proof Bank Savings in the Early Years of PRC

1950年3月,国家统一财经工作之后,物价趋稳,人民币币值进一步稳定。为消除民众对物价能否长期稳定的顾虑,国家银行在折实储蓄的基础上开办了保本保值储蓄。保本保值储蓄的适宜举办,对民众来说,改善了生活,增强了储蓄兴趣,初步建立了储蓄习惯;对于国家来说,聚集了社会闲散资金,支援了新中国国家建设。同时,保本保值储蓄的实施,为货币储蓄奠定了基础,也扩大了人民政府的政治影响,体现了新制度的优越性。

In March 1950,after the country unified its financial and economic work,prices stabilized and the value of the RMB further stabilized.To eliminate people’s concern about the long-term stability of prices,the National Bank established break-even and inflation-proof bank savings on the basis of discounted savings.For individuals,the proper holding of break-even and inflation-proof bank savings had improved people’s lives,promoted people’s interest in saving,and laid a foundation for monetary saving.For the entire country,it had gathered idle social funds to support the national construction of New China.At the same time,the implementation of break-even and inflation-proof bank savings had also expanded the political influence of the people’s government,reflected the superiority of the new system.