储蓄利率弹性弱化的原因及对策  

Reason and Countermeasure for Elasticity Weakening of Deposit Interest Rate

作　　者：李朝民[1] 陈金贤[1] 

机构地区：[1]西安交通大学管理学院,陕西西安710049

出　　处：《河南师范大学学报（哲学社会科学版）》2000年第4期6-9,共4页Journal of Henan Normal University(Philosophy and Social Sciences)

摘　　要：利息是当前消费的机会成本 ,是储蓄的未来收入 ,储蓄行为受利率变动的影响。目前我国储蓄利率弹性变弱 ,主要原因是利率的市场机制没有形成、居民人均收入低、金融市场不发达、投资渠道单一以及由于制度变迁而引起的收入两极分化加剧、生活支出结构改变而引起的对未来预期的改变。为了提高储蓄利率弹性 ,我们应该采取如下有效措施 :利率机制市场化 ,金融市场多样化 ,扩大消费信贷 。Interest rate is an opportunity cost of current consumption and the future income of savings.The alteration of interest rate afects human's deposit behavior.Nowadays, elasticity of deposit interest rate appears weakening.The main reasons are:the market mechanism of interest rate has not come into being;the inhabitant average revnue is low;the finance market is underdevelopment;the the way of investment is singular;the system variance results in depravation of income polarizing and the change of expending structure results in the alteration for future's expectation. In order to elevate elascility of interest rate,we should take effective measure as follows:put interest rate on market mechanism;diversify the finance market;extende consumption credit;increase inhabitant earnings and confining illegal income.

关 键 词：储蓄 利率 利率弹性 利率机制 金融体系 中国 

分 类 号：F832.22[经济管理—金融学]