居民储蓄转化为投资的难点分析

Difficult Points Analysis for Inhabitant Saving Transforming into Inv estment

由于金融体制改革滞后,债券和股票市场规模相对较小,社会投资渠道的缺乏,导致居民储蓄总额逐年提高;因此,如何消除储蓄向投资转化过程中存在的障碍成为当务之急。从银行、股市等几个方面分析了储蓄转化为投资的难点,并提出了相应的建议。

For lack behind of financial system reform and small scale of debe nture and shares market and lack of social investment,inhabitant savings raise y ear by year.So,how to clean away the obstacles for saving transforming into inve stment have been the urgency.This paper analyzes the points,savings transforming into investment,from bank,shares market and several respects,puts forward appro priate suggestions.