论文部分内容阅读
随着我国经济持续快速发展,居民人均收入得到较大提高。尤其在许多大城市,居民年人均收入已超过人民币1万元。但是,由于目前我国社会保障体系不完善,保障面、保障力度较小、保障措施不尽得力,导致许多居民生活保障安全感欠缺。为了应付未来突发性支出或一次性大额支出,许多居民往往将生活剩余的资金存入银行。据统计,截至2003年上半年,不包括外币在内的城乡居民储蓄存款余额已达人民币9773亿元,导致我国银行资金产生流动性过剩的困难,从而使我国人民币存款利息率连续降息,目前我国活期存款利息率实际上为负值。如果再将资金具有时间价值及经济发展过程中存在通货膨胀等因素考虑进去,随着时间推移,必然导致居民储蓄资金的实际购买力日趋下降,也就是俗话所说的“钱越存越不值钱”。因此,我国居民希望通过储蓄以获得资金保值、增值的美好愿望往往会落空,从而影响居民的生活质量。
With the sustained and rapid economic development in our country, per capita income of residents has been greatly increased. In particular, in many major cities, the annual per capita income of residents has exceeded 10,000 yuan. However, due to the current imperfect social security system in our country, the protection and protection are relatively small, and the safeguard measures are not effective, resulting in the lack of security for the livelihood of many residents. In order to cope with unexpected outbursts or one-off large outlays in the future, many residents tend to deposit the remaining funds in their life into banks. According to statistics, as of the first half of 2003, the savings deposits of urban and rural residents excluding foreign currencies reached 977.3 billion yuan, which led to the difficulty of generating excess liquidity in the bank funds of our country. As a result, the interest rate of RMB deposits in our country was continuously lowered. At present, China Demand deposit interest rates are actually negative. If we consider the time value of funds and inflation in the process of economic development and other factors into account, as time goes on, it will inevitably lead to the real purchasing power of residents saving funds declining, that is, as the saying goes, “the more money is not worth more money” . Therefore, the wishes of our countrymen who wish to obtain the hedging and appreciation of capital through saving will often fail and thus affect the quality of life of their residents.