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储蓄与消费作为一种经济行为,都是人在心理支配下有意识、有目的、自觉的外部活动,储蓄和消费的过程也是人心理活动的过程。遵循客观规律深入探索储蓄和消费的一般规律及其相互关系,对搞好储蓄工作具有重要的现实意义。一、储蓄心理的主要特征储蓄,是人们将自己的货币收入存入银行的一种信用行为,其心理特征一般表现在以下五个方面。1.可靠性。指人们认识储蓄存款在存期内不受
As an economic activity, savings and consumption are conscious, purposeful and conscious external activities under the control of the mind. The process of saving and consuming is also a process of psychological activity. Probing into the general law of savings and consumption and their interrelationships in accordance with objective laws has important practical significance for the success of saving work. First, the main feature of savings Psychology savings, people will own money into a bank credit behavior, the psychological characteristics of the general performance in the following five aspects. Reliability Refers to the people know savings deposits in the period of time is not affected