现在我国城乡居民储蓄额高达5.2万亿元,相当于我国每年GDP的65％。于是有人提出要“赶虎出笼”,提议“开拓投资渠道”、“大力鼓励消费”、“开展形式多样的消费信贷,诸如轿车、商品房、旅游等……”。 这些建议虽有一定道理,但没有切中居民的储蓄心理。目前大多数居民的储 At present, the savings of urban and rural residents in China are as high as 5.2 trillion yuan, equivalent to 65% of China’s annual GDP. So some people have proposed to “drive the tiger out of the cage,” and propose “to open up investment channels,” “vigorously encourage consumption,” and “carry out various forms of consumer credit, such as sedans, commercial houses, travel, etc ...”. Although there is some truth to these suggestions, they do not cut the residents’ savings mentality. At present, most residents of the reservoir