摘要
储蓄是一个以金融为性质、金融市场为纽带、社会剩余货币为对象、不断运动为性态、现金和非现金为形式的五个相互关联要素所组成的整体。其数量关系是:储蓄=国民收入-(国民即期消费+现金窖藏)。适应经济发展的需要,储蓄研究应侧重流量分析、相关分析和动态分析。自愿高储蓄政策逐步取代强制高储蓄政策是我国储蓄政策的必然走向,近期内宜采用二者相并重的政策策略。
Savings deposit is composed of five interrelated factors that arefinance as its property, financial market as its tie surplus capital inthe society as its research object, incessant movement as itsqualitative state, cash and noncash as its forms. The quantitativerelation is, Savings deposit=national income-(national immediateconsumption+stored cash). To cater for the demands of economicdevelopment. Savings deposit study should lay particular emphasison money flow analysis, relative analysis and dynamic analysis.The voluntary deposit policy will step by step replac s thecompulsory, which marks an inexorable trend in the state policy onsavings deposit, but at present it is better to adopt a strategicpolicy with primacy on both of them.
