中国人储蓄观念论文.docVIP

中国人储蓄观念研究 指导教师：姚益龙、刘晋华 学生姓名：甘 燕 班级：2007金融学本科 2009年8月 摘要 2006年以来，随着我国资本市场的繁荣，居民储蓄存款在当年2月份、12月份分别突破15万亿元和16万亿元大关，储蓄存款跳出银行，进入股市，切实起到了储蓄分流的作用Since 2006, with the prosperity of Chinas capital market, savings deposits of residents exceeded 15 trillion and 16 trillion yuan respectively in February and December of the year. Although the running of savings deposits from banks into the stock market effectively played a role in diverting savings, we can ’t ignore the fact that the proportion of household savings in China are still relatively high, which is effected by Chinese’s saving concepts. Thus, the research of Chinese’s saving concepts, analysis of Chinese’s saving status and deep-rooted causes, have positive and important meanings for effectively lowering savings rates, stimulating consumptions and engernizing the economy in the financial crisis. Through deep anylysis of the status of China’s saving and its concepts, combined with the analysis of America’s and Japan’s, this paper analyzes the main reasons of Chinas household savings, and then puts forward reasonable suggestions for China’s savings and concepts based on their judgements. At present, the majority of Chinese’s income is still for savings, which resulted that China’s savings and saving rates keep going high. The main reason of residents’ savings is still the prevention of future needs. Caused by original saving concepts, China’s residents’ income has grown up, but failed to effectively stimulate domestic consumption, and also difficult to effect the formation of savings investment. The formation of the concept of household savings in China is mainly due to the imperfect social welfare systems, few investment channels, as well as the traditional Chinese saving concepts. In the long run, the amount of household savings in China will be further enhanced, accordingly, there will be more savings available for investment. In order to change Chinese residents’ saving concepts and improve the utilization of savin