自1998年以来，国家采取了一系列鼓励消费、扩大内需的政策，试图让老百姓捂紧钱袋的手松一把。一方面，分期付款、信贷消费政策的推出，引导人们加大住房、汽车和耐用消费品等即期消费；另一方面，医疗制度、就业制度、教育制度和养老保险制度等改革措施的实施，也在迫使人们 Since 1998, the state has adopted a series of policies to encourage consumption and expand domestic demand, and tried to make ordinary people loose their bags tightly. On the one hand, the introduction of installments and credit consumption policies has led people to increase their current consumption such as housing, automobiles and consumer durables; on the other hand, the implementation of reform measures such as the medical system, the employment system, the education system and the pension insurance system Forcing people