中國居民儲蓄現狀和行為分析

1、目錄目錄摘要摘要....................................................................................................................IAbstractAbstract...............................................................................

2、...........................IIII一、居民儲蓄概述一、居民儲蓄概述............................................................................................1二、二、我國居民儲蓄歷史及現狀我國居民儲蓄歷史及現狀......................................................

3、..................1三、影響居民高儲蓄的因素分析三、影響居民高儲蓄的因素分析....................................................................2（一）國內生產總值（ＧＤＰ）..........................................................................................

4、...........2（二）居民可支配收入.....................................................................................................................2（三）利率...........................................................................

5、..............................................................3（四）消費信貸制度及消費觀念.....................................................................................................5（五）居民的傳統(tǒng)儲蓄觀念和心態(tài)..........................

6、.......................................................................6（六）社會保障制度.........................................................................................................................6四、高儲蓄對我國經濟的影響四、高儲

7、蓄對我國經濟的影響........................................................................6（一）高儲蓄對我國經濟的積極影響.............................................................................................6（二）高儲蓄對我國經濟的負面影響............

8、.................................................................................8五、關于改善居民高儲蓄問題的政策建議五、關于改善居民高儲蓄問題的政策建議....................................................8（一）提高居民可支配收入.....................................

9、........................................................................8（二）改善投融資市場環(huán)境.............................................................................................................9（三）發(fā)展和完善消費信貸.............

10、................................................................................................9（四）完善社會保障制度...............................................................................................................1

11、0結論結論..................................................................................................................1111參考文獻：參考文獻：.......................................................................................

12、...............1212致謝致謝..................................................................................................................1313IIAbstractChinasrefmopeninguptopromotetherapiddevelopmentofthenationaleconomyPe

13、oplesincomelevelhasbeengreatlyimprovedSavingsdepositsofurbanruralresidentsismeswiftviolentgrowthChinaseconomyhasbecomethefocusofpeoplesattentioninlife.CurrentGDPaccountedfhalfofthesavingsdepositsofresidentsinthenationale

14、conomyplayadecisiveroleCapitalreservefceguarantee.Throughthisfigurecanpeepthenationallivingstard，statesteadystatedevelopmentofurbanruraldifferenceimpetustothenationaleconomydevelopment.Highsavingstoourcountryeconomydevel

15、opmentbringssufficientcapitalsourceistosupptrapideconomicgrowthmomentumatthesametimetoourcountryeconomydevelopmentbringsgreatchallenge.FexampleChinasdomesticsavingslevelsmuchhigherthanthelevelofinvestmenttocausegreatloss

16、ofefficiencyofinvestment.ThispaperledtothehighsavingphenomenonanalysesthemainfactsthesefactsmainlyincludethedisposableincomeofresidentstotalGDPconsumercreditlevelInterestrateculturalfactssocialsecuritysystem.accdingtohow