“功在国家,利在自己”:新中国初期的保本保值储蓄  

Merit to the Country,Benefit to Oneself:Break-even and Inflation-proof Bank Savings in the Early Years of PRC

作　　者：丁芮[1] DING Rui(The Institute of Contemporary China Studies,Chinese Academy of Social Sciences,Beijing 100009,China)

机构地区：[1]中国社会科学院当代中国研究所,北京100009

出　　处：《安徽史学》2024年第3期160-168,共9页Historical Research In Anhui

基　　金：全国红色基因传承研究中心2023年度规划课题“中国共产党早期红色金融实践及历史经验研究”(23ZXHYG30)的阶段性成果。

摘　　要：1950年3月,国家统一财经工作之后,物价趋稳,人民币币值进一步稳定。为消除民众对物价能否长期稳定的顾虑,国家银行在折实储蓄的基础上开办了保本保值储蓄。保本保值储蓄的适宜举办,对民众来说,改善了生活,增强了储蓄兴趣,初步建立了储蓄习惯;对于国家来说,聚集了社会闲散资金,支援了新中国国家建设。同时,保本保值储蓄的实施,为货币储蓄奠定了基础,也扩大了人民政府的政治影响,体现了新制度的优越性。In March 1950,after the country unified its financial and economic work,prices stabilized and the value of the RMB further stabilized.To eliminate people’s concern about the long-term stability of prices,the National Bank established break-even and inflation-proof bank savings on the basis of discounted savings.For individuals,the proper holding of break-even and inflation-proof bank savings had improved people’s lives,promoted people’s interest in saving,and laid a foundation for monetary saving.For the entire country,it had gathered idle social funds to support the national construction of New China.At the same time,the implementation of break-even and inflation-proof bank savings had also expanded the political influence of the people’s government,reflected the superiority of the new system.

关 键 词：保本保值 储蓄 新中国初期 

分 类 号：K27[历史地理—历史学]