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为刺激内需,我国在短期内连续七次下调银行存贷款利率,并于近期决定开征利息所得税。这种为刺激内需,激活市场的宏观调控力度,在世界上来看也是不多见的。但现实的情况是:银行存款不见减少,居民消费依然不涨。究其原因固然有很多,但有一点是我们目前尤其要重视的,即我国居民对未来预期收入的不确定性而降低了当期的消费水平。根据西方经济学中的跨期消费理论,人们当期的消费水平不仅受到当期收入水平的影响,而且,更重要的还受到人们对未来收入预期的影响,当前收入水平高,但(?)
In order to stimulate domestic demand, China has lowered the bank deposit and loan interest rates seven times in a row and decided to impose interest income tax in the near future. This kind of macroeconomic regulation and control to stimulate domestic demand and activate the market is rare in the world. However, the actual situation is: no decrease in bank deposits, residential consumption is still not up. Although there are many reasons for this, one thing we should pay special attention to is that our residents have reduced the current level of consumption for the uncertainty of expected future income. According to the theory of intertemporal consumption in Western economics, people’s current consumption level is not only affected by current income level, but more importantly, people’s influence on future income expectation and current income level are high. However,