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本文以可比价格和可比货币比较了居民消费和储蓄增长的态势,较为系统地分析了居民消费与储蓄倾向的变动特点,指出我国改革以来存在着居民储蓄增长和储蓄倾向上升过快的问题.从居民储蓄与消费变动的内在机制可以看到,居民储蓄倾向过高既有统计方面的原因,也有国民经济变动的内在原因,但与非自愿储蓄或强制性储蓄无关.分析结果表明,在我国经济发展和体制转换的过程中,居民消费与储蓄变动关系的协调具有重要意义,应当通过宏观政策和体制改革来推动这种变动关系的协调.
This paper compares the growth of household consumption and saving with comparable price and comparable currency, analyzes the changing characteristics of household consumption and saving tendency more systematically, and points out that there is a problem that household saving growth and saving tendency rise too fast since the reform of our country. The internal mechanism of residents ’savings and consumption changes shows that residents’ propensity to save is too high to have both statistical reasons and internal causes of national economic changes, but it has nothing to do with involuntary savings or compulsory savings.The analysis shows that in our economy In the process of development and system transformation, the coordination of the relationship between household consumption and savings changes is of great significance. The coordination of such changes should be promoted through macroeconomic policies and structural reforms.