1、目錄目錄摘要摘要....................................................................................................................IAbstractAbstract...............................................................................

2、...........................IIII一、居民儲(chǔ)蓄概述一、居民儲(chǔ)蓄概述............................................................................................1二、二、我國(guó)居民儲(chǔ)蓄歷史及現(xiàn)狀我國(guó)居民儲(chǔ)蓄歷史及現(xiàn)狀......................................................

3、..................1三、影響居民高儲(chǔ)蓄的因素分析三、影響居民高儲(chǔ)蓄的因素分析....................................................................2（一）國(guó)內(nèi)生產(chǎn)總值（ＧＤＰ）..........................................................................................

4、...........2（二）居民可支配收入.....................................................................................................................2（三）利率...........................................................................

5、..............................................................3（四）消費(fèi)信貸制度及消費(fèi)觀念.....................................................................................................5（五）居民的傳統(tǒng)儲(chǔ)蓄觀念和心態(tài)..........................

6、.......................................................................6（六）社會(huì)保障制度.........................................................................................................................6四、高儲(chǔ)蓄對(duì)我國(guó)經(jīng)濟(jì)的影響四、高儲(chǔ)

7、蓄對(duì)我國(guó)經(jīng)濟(jì)的影響........................................................................6（一）高儲(chǔ)蓄對(duì)我國(guó)經(jīng)濟(jì)的積極影響.............................................................................................6（二）高儲(chǔ)蓄對(duì)我國(guó)經(jīng)濟(jì)的負(fù)面影響............

8、.................................................................................8五、關(guān)于改善居民高儲(chǔ)蓄問(wèn)題的政策建議五、關(guān)于改善居民高儲(chǔ)蓄問(wèn)題的政策建議....................................................8（一）提高居民可支配收入.....................................

9、........................................................................8（二）改善投融資市場(chǎng)環(huán)境.............................................................................................................9（三）發(fā)展和完善消費(fèi)信貸.............

10、................................................................................................9（四）完善社會(huì)保障制度...............................................................................................................1

11、0結(jié)論結(jié)論..................................................................................................................1111參考文獻(xiàn)：參考文獻(xiàn)：.......................................................................................

12、...............1212致謝致謝..................................................................................................................1313IIAbstractChinasrefmopeninguptopromotetherapiddevelopmentofthenationaleconomyPe

13、oplesincomelevelhasbeengreatlyimprovedSavingsdepositsofurbanruralresidentsismeswiftviolentgrowthChinaseconomyhasbecomethefocusofpeoplesattentioninlife.CurrentGDPaccountedfhalfofthesavingsdepositsofresidentsinthenationale

14、conomyplayadecisiveroleCapitalreservefceguarantee.Throughthisfigurecanpeepthenationallivingstard，statesteadystatedevelopmentofurbanruraldifferenceimpetustothenationaleconomydevelopment.Highsavingstoourcountryeconomydevel

15、opmentbringssufficientcapitalsourceistosupptrapideconomicgrowthmomentumatthesametimetoourcountryeconomydevelopmentbringsgreatchallenge.FexampleChinasdomesticsavingslevelsmuchhigherthanthelevelofinvestmenttocausegreatloss

16、ofefficiencyofinvestment.ThispaperledtothehighsavingphenomenonanalysesthemainfactsthesefactsmainlyincludethedisposableincomeofresidentstotalGDPconsumercreditlevelInterestrateculturalfactssocialsecuritysystem.accdingtohow