居民储蓄存款是指城乡居民在银行中的存款。居民可支配收入减去居民消费后的剩余部分,也是可以转化为实业投资的部分。它可以有多种存在形式,而居民储蓄存款只是其中的一种。长期以来,尤其在短缺经济时期,我国一直鼓励居民存款储蓄。因为一方面经济增长缓慢,居民收入有限,另一 Household savings deposits refer to the deposits of urban and rural residents in banks. The disposable income of residents minus the rest of the residents’ consumption is also a part that can be converted into industrial investment. It can have a variety of forms of existence, and household savings deposits are just one of them. For a long time, especially in the period of economic shortage, China has been encouraging residents to deposit savings. Because economic growth on the one hand is slow, and residents’ income is limited, another