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我国城镇居民储蓄率过高,消费结构畸形已经成为制约经济发展的主要原因,本文从养老保险制度角度出发,探讨了养老保险制度与消费储蓄间的关系,通过对不同制度与宏观经济调节机制的分析,得出了我国现行统账结合制能够充分发挥调节功能的结论,在当前经济增长率不断下滑的环境下,研究如何利用养老保险制度来促进经济发展更加具有现实意义。
In our country, the savings rate of urban residents is too high and the deformity of consumption structure has become the main reason for restricting the economic development. This paper discusses the relationship between the pension insurance system and consumer savings from the perspective of the pension insurance system. By analyzing the different systems and macroeconomic adjustment mechanisms It is concluded that the current unified system of account and account in our country can give full play to the regulatory function. Under the current environment of declining economic growth rate, it is more practical to study how to use the pension insurance system to promote economic development.