Our study of household savings
|School||Nanjing Agricultural College|
|Course||Economics and Management|
|Keywords||Household savings Saving behavior Savings motive Economic growth|
Of countries with higher savings rate in the world , has an important role in promoting higher savings rate of China's rapid economic growth . But in the last few years , our national economy is facing macro steady growth , microscopic insufficient effective demand , savings growing situation. Although the Central Bank of seven consecutive cut the RMB deposit interest rate , but in recent years, China 's household savings remains a rapid growth rate , while residents consumption and residential investment growth to slow , which hampered China's economic growth rate and employment levels . This article based on the theory of Western Savings , motivation and positive and negative effects of China 's household savings , and discusses the factors that affect household savings in China and the future trend of China 's household savings , the final proposed the corresponding countermeasures and suggestions . The paper is divided into five parts . The theory of the first part of the study of household savings , including savings and the meaning of household savings , thrift and Wrong of consumer savings behavior theory , saving the life cycle theory of savings and economic growth theory . The second part of the study moderate household savings measure , motivation and positive and negative effects of household savings . The third part discusses the main factors to affect China 's household savings : residents' income , household consumption , residential investment, economic policy , the motivation of the people's savings . The fourth section analyzes the change in status and characteristics of China 's household savings , and then discusses the future trend of China 's household savings . Part V concludes and proposes to stimulate consumption and investment , and stability of China 's household savings suggestions .