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运用西方跨期最优消费选择的预防性储蓄和流动性约束前沿消费理论,选取改革开放后浙江城镇居民的实际消费特征及相关数据,建立预防性储蓄模型和流动性约束模型,分析得出:浙江城镇居民存在较强的预防性储蓄动机和比较强的流动性约束,并且流动性约束会加强预防性储蓄。要改变这一现象应采取三方面措施:从消费增长缓慢的内在机理上有针对性的扩大消费需求;完善社会保障制度;规范发展民间金融。
Using the precautionary saving and liquidity constraints frontier consumption theory of the optimal consumer choice in the west, we select the actual consumption characteristics and relevant data of Zhejiang urban residents after the reform and opening up and establish a preventive savings model and a liquidity constraint model. The analysis shows that: Zhejiang urban residents have strong preventive savings motivation and relatively strong liquidity constraints, and liquidity constraints will strengthen preventive savings. To change this phenomenon, three measures should be taken: from the slow internal mechanism of consumption growth targeted to expand consumer demand; improve the social security system; standardize the development of private finance.