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我国人民的实际生活水平,在当今世界上还是比较低的。但是近几年来,我国城乡居民的储蓄存款却以较高的速度持续增长,1989年一年就净增1300多亿元。人们究竟为什么不把有限的收入用于生活水平提高,而要进行大量储蓄呢?对于这个问题,尽管用储蓄倾向随收入增加而提高的原理可以从宏观上简单地说明,但是要从微观机制上满意地予以回答,目前还存在很大的争议。一部分人认为,我国居民的储蓄存款具有强迫储蓄性质,因为我国经济长期以来属于短缺经济,供给不足一直是我国经济的主要矛盾,人们想买的东西买不到,只好把钱存入银行。另一部分人则认为,我国居民储蓄并不具有上述“强迫性”,因近
The actual living standard of our people is still relatively low in today’s world. However, in recent years, savings deposits of urban and rural residents in our country have continued to grow at a relatively high rate, a net increase of more than 130 billion yuan in 1989 alone. Why do people use limited income not for the improvement of living standards, but for large savings? Although macroscopically the principle of using savings propensity to increase with income can be described macroscopically on the micro-mechanism Satisfactory answer, there is still a lot of controversy. Some people think that savings deposits of our residents have the nature of forced savings. Because our economy has long been in a shortage of economy, insufficient supply has always been the major contradiction in our economy. People want to buy something they can not buy, and they have to put money into the bank. Others think that the savings of Chinese residents do not have the above “compulsion” because of the recent