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近年来,随着经济的快速增长,我市居民的可支配收入不断增加,而消费的增长远低于收入的增长,形成高收入、低消费,高储蓄、低流动现象。一、产生低消费、高储蓄的原因1、心理基础一是传统的消费习惯仍在很大程度上对人们的消费行为起着支配作用。人们消费的出发点大多数还只是满足生活的需要,储蓄的主要用途也是保证基本生活,包括子女教育、日常开销、应付生病、意外和防老。居民存钱不是以生利为目的的经济行为,银行在很大程度上起到了保险箱的作用。
In recent years, with the rapid economic growth, the disposable income of residents in our city has been increasing while the growth of consumption far falls below the growth of income, resulting in the phenomenon of high income, low consumption, high savings and low turnover. First, the reasons for low consumption, high savings 1, the psychological basis First, the traditional consumer habits are still to a large extent the dominant consumer spending behavior. Most of the starting points for people’s consumption are only to meet the needs of life. The main purpose of saving money is to ensure basic life, including education for children, daily expenses, coping with sickness, accidents and anti-aging. Residents do not save money for the purpose of economic activities, the bank has largely played the role of safe.