在 WTO 现有格局下,在日益激烈、此起彼伏的国际贸易战中,中国经济增长依赖出口增长的空间越来越小。为此,国内外许多研究中国经济的经济学家、社会学家都在讲“扩大内需”。大讲特讲了6年多,“高招”迭出,但似乎于事无补。为什么呢?“骑着驴找驴”,把简单问题复杂化了,研究来,研究去,就是没有充分研究“内需”是怎样被抑制的,阻碍扩大内需的“病灶”何在。某些“机械学院”经济系教授一谈“扩大内需”,就死盯老百姓的“钱包”——银行个人储蓄。殊不知,目前,中国老百姓的个人储蓄行为已经很难说是经济学理论上“为获得银行利息”而实施的“投资行为”,而主要是一种家庭保障措施、自我保障行为,储蓄的首要目的是防病、防老、防失业、防火、防盗、防意外,培养子女;培养子女又是“养儿防老”,强化家庭保障体系的“百年大计”。因此,利率一降再降,进而加征“利息税”,个人储蓄中的“活期存款”几 Under the existing structure of the WTO, in the increasingly fierce and successive international trade wars, there is less and less room for China’s economic growth to rely on export growth. To this end, many economists and sociologists studying the Chinese economy at home and abroad are talking about “expanding domestic demand.” Speaking about the special talk about more than six years, “brilliant” one after another, but it does not seem to help. Why? “Riding a donkey and looking for a donkey” complicated the simple question. Researching and researching did not fully study how “domestic demand” was suppressed and what was the “lesion” that hindered the expansion of domestic demand. Some professors in the Department of Economics of the Faculty of Mechanical Engineering talk about “expanding domestic demand” and die on the “wallet” of ordinary people - the personal savings of banks. As everyone knows, at present, it is hard to say that the personal savings behavior of the Chinese people is “investment behavior” in the economic theory “to obtain bank interest”, and is mainly a kind of family protection measure and self-protection behavior. The primary purpose of saving is Prevention of diseases, prevention of old age, prevention of unemployment, prevention of fire, burglary, prevention of accidents and the cultivation of children; the cultivation of children is also a “grand plan for family protection” that strengthens the family protection system. Therefore, interest rates drop lower and lower again, and then imposed “interest tax”, personal savings in the “demand deposits” a few