论转化居民潜在购买力的金融对策

On the Financial Countermeasures for Transforming the Potential Purchasing Power of People

近几年来我国居民的潜在购买力增长过快,累积规模过大。究其原因,一是由于社会保障制度不完善,居民把储蓄存款作为预防性保险金;二是商业银行在市场开发上过于保守;三是私人投资渠道不畅;四是预期不乐观,近期消费意欲减弱。要将居民的潜在购买力转化为现实购买力必须调整政策,改善投资环境,将更多的潜在购买力转化为现实的投资需求;完善社会保障体系,改善人们的预期;发展民间金融,深化金融体制改革。

This paper discusses,in recent years why the potential purchasing power of people in China increases exceedingly fast and accumulates overly largely. It also presents some measures to transform people potential purchasing power into real one,such as adjusting policies and improving investment environment,perfecting social welfare system,developing nongovernmental finance and deepening the reforms of financial system.