我国储蓄─投资转化效率低下的原因分析  

An Analysis of the Causes of Low Efficiency in the Transformation from Savings to Investment

作　　者：魏玉平[1] 

机构地区：[1]江汉大学物理与信息工程学院,武汉430056

出　　处：《江汉大学学报（社会科学版）》2007年第1期59-63,共5页Journal of Jianghan University(Social Science Edition)

摘　　要：实证分析表明我国储蓄—投资转化效率低下的问题比较突出,主要原因是:第一,我国储蓄—投资转化的渠道存在障碍,表现为住户储蓄向实物投资的渠道不畅,储蓄—投资转化的政府渠道存在障碍,国外部门储蓄对国内投资的替代;第二,储蓄—投资转化机制失调;第三,在市场经济条件下促进储蓄—投资转化的制度(包括非正式制度)供给不足。An analysis from demonstrative case indicates that the problem of low efficiency in the transformation from savings to investment of our country is very prominent. The main causes are ： firstly, the obstacles in the way of transforming the savings to the investment, which is indicated by unsmooth transforming the tenement~ savings to practical investment, by the government system of savings and investment transformation and by the substitution of domestic investment from the savings of the foreign departments. Secondly, the obstacle is of the mal-adjusting of transforming system from savings to investment. Thirdly, the system, including informal system, of promoting the transformation from savings to investment in the condition of market economy is insufficient.

关 键 词：储蓄 投资 储蓄-投资转化效率 银行投资 证券投资 保险投资 

分 类 号：F830.59[经济管理—金融学]