我国目前储蓄超常增长，受非真实储蓄因素的影响很大。据有关部门统计，我国储蓄超额增加额中，相当一部分是经营性集团消费基金，是对公存款，即所谓“公款私存”。尤其是近年来一些机关、团体和企事业单位违规将预算外资金、销货款、财政性存款、各种罚没款以个人名义开立帐? The abnormal growth of China’s current savings is greatly affected by non-real saving factors. According to the statistics of relevant departments, a considerable part of China’s excess savings in savings is the consumer fund of the operating group, a deposit made by the public, the so-called “private deposit of public funds.” In particular, in recent years, some organs, organizations and enterprises illegally open off accounts in the name of extra-budgetary funds, sales of goods, financial deposits and various kinds of confiscation.