１．需求压抑型。我国城乡居民受崇尚节俭的传统观念影响，历来扬积蓄、抑消费。改革开放以来，我国居民储蓄存款一直保持高速增长，远远超过已实现的购买力的增长。 ２．结构失衡型。目前一些大城市的城镇居民收入阶梯等级少而级差大，跨度过大的消费需求为市场经济的健康、正 1. Depression demand. The urban and rural residents in our country are influenced by the traditional concept of advocating frugality, and have always accumulated their savings and suppressed their spending. Since the reform and opening up, China’s household savings deposits have maintained rapid growth, far exceeding the realized growth in purchasing power. 2. Structure imbalance. At present, the income ladder of urban residents in some big cities is small and the rank is large and the consumer demand that is too large is the health of the market economy.