中国居民储蓄与投资行为分析

摘要伴随着国内经济体制改革的变化，我国国民收入与分配的格局也随之发生了翻天覆地的改变。在变化当中最突出的,当属居民收入在国民收入中所占的比重迅速上升，自身可支配的财富也逐步提高。在中国经济大发展的前提背景下，国民的储蓄与投资行为对于经济的发展有越来越重要的意义。此外，居民收入的逐步提高与投资理财观念的逐渐增强.使得人们在对于日常闲置资金的处置上已经不再是单纯的将其储存起来，而是有目的将这部分资金转化为投资行为来获得收益。因此，探讨中国居民储蓄与投资行为的规律，找出主要决定因素，探索储蓄与投资相互转化的方式，并在此基础上对储蓄的变化趋势做初步预测就显得格外的重要。本篇论文研究目的就是分析近些年来国内居民收入的变化并结合当前的国内经济环境，从居民收入、投资理念、市场环境等多个方面分析居民理财观念的变化和发展以及当前所处的状态并提出相关建议。关键词：居民储蓄行为,投资与储蓄,储蓄与投资的转化,对策的分析ABSTRACTWithdomesticeconomicreformchange,ournationalincomeanddistributionpatternalsosubsequentlyhasearth-shakingchanges.Inthemostprominentchangesinnationalincome,whenistheproportionoftheincomerisingrapidly,andtheirdisposablewealthalsograduallyimproved.WithChina'seconomicdevelopment，underthebackgroundofthepremiseofnationalsavingsandinvestmentbehaviorforthedevelopmentofeconomyhasmoreandmoreimportantsignificance.Inaddition,thegradualincreaseincomeandinvestmentbankingincreasedgraduallytheconceptofmakingpeopleidlefundsforthedisposalofthedailyisnolongersimplystoreit,butapurposeofthispartofthefundstogetintotheinvestmentbehaviorofrevenue.Therefore,howtheChineseresidents,savingsandinvestmentbehaviorrule,findoutandexploremajordeterminantsofmutualtransformationbetweensavingandinvestmentway,andbasedonthechangetrendofsavingsdopreliminarypredictionisanimportantcase.Thispaperstudiespurposeisanalysisinrecentyearsofdomesticresidentsincomechangesandcombiningthecurrentdomesticeconomicenvironment,frompeople'sincomeandinvestmentphilosophy,marketenvironmentandsoonmanyaspectsofthechangesintheconceptofresidentsfinancialanalysisanddevelopmentandthecurrentstateofplace.Keywords:Residentssavingbehavior,Savingandinvestment,Savingsandinvestmenttransformation,Countermeasureanalysis目录引言......................................................................................................................................1第一章现阶段我国居民储蓄的现状................................................................................21.1居民储蓄行为的含义..............................................................................................21.2我国居民收入和消费的状况..................................................................................21.2.1我国居民目前收入状况.................................................................................21.2.2我国居民目前消费状况.................................................................................31.3我国居民储蓄的状况..............................................................................................3第二章我国居民储蓄的影响因素....................................................................................42.1居民储蓄的主要影响因素......................................................................................42.2各因素的相关分析..................................................................................................42.2.1居民可支配收入.............................................................................................42.2.2对经济的预期.................................................................................................42.2.3利率.................................................................................................................42.2.4通货膨胀.........................................................................................................52.2.5我国居民的储蓄传统观念和心态.................................................................52.2.6整体的投资环境.............................................................................................52.2.7我国城镇社会保障制度.................................................................................5第三章我国居民投资的主要渠道....................................................................................63.1储蓄投资的现状分析..............................................................................................63.2其他居民投资的渠道分析......................................................................................63.2.1国债投资...........................................................................................................63.2.2企业债券投资...................................................................................................63.2.3股票投资...........................................................................................................73.2.4基金和其他投资渠道.......................................................................................73.2.5房地产投资.......................................................................................................7第四章居民储蓄—投资转化的分析...............................................................................84.1我国的投资、融资市场环境对居民储蓄投资转换的影响..................................84.2存款利率对居民储蓄投资转换的影响..................................................................84.3社会保障制度对居民储蓄投资转换的影响..........................................................94.4我国经济的发展对储蓄投资转换的影响..............................................................9第五章居民储蓄投资转化渠道的对策建议....................................................................95.1保持我国经济的持续均衡的发展，增加居民的可支配收入..............................95.2建立健全社会保障障制度......................................................................................95.3慎重调整存款利率...