中国国民储蓄率变化对国民经济的影响分析  

An Analysis of the Impact of Changes in China's National Savings Rate on the National Economy

作　　者：吕采霏 田冉 LI Cai-fei;TIAN Ran(Shandong Agricultural University,Tai'an 271000,China)

机构地区：[1]山东农业大学,山东泰安271000

出　　处：《江西电力职业技术学院学报》2019年第11期140-142,共3页Journal of Jiangxi Vocational and Technical College of Electricity

摘　　要：在金融市场上,储蓄向投资转化是保证中国经济快速增长的重要力量。高储蓄率在一定程度上,意味着居民拥有较高的投资需求,银行拥有较多的资金盈余和较强的流动。储蓄率快速下滑,将对经济结构和金融稳定带来巨大冲击。我国应该提前防范储蓄率持续下滑带来的负面影响,优化投资结构,提高资源配置效率。基于此,分析了中国高国民储蓄率的形成原因及其影响,并从不同角度提出建议,为国民经济健康可持续发展助力。In the financial market,the transfer of savings to investment is an important force to ensure the rapid growth of China's economy.To some extent,high savings rate means that residents have higher investment demand,Banks have more capital surplus and strong liquidity.A rapid decline in the savings rate would have a huge impact on economic structure and financial stability.China should prevent the negative impact of the continuous decline of savings rate in advance,optimize the investment structure and improve the efficiency of resource allocation.Based on this,this paper analyzes the causes and effects of China's high national savings rate,and puts forward Suggestions from different perspectives to contribute to the healthy and sustainable development of national economy.

关 键 词：国民储蓄率 居民储蓄率 储蓄倾向 

分 类 号：F832.22[经济管理—金融学]