【作者】 钟晖；

【导师】 王维安；

【作者基本信息】 浙江大学 ， 金融学， 2003， 硕士

【摘要】 近年来，在我国经济建设中存在一种奇怪的现象：一方面储蓄资金大幅度增长和资金大量闲置，而另一方面投资建设资金依然匮乏。这一矛盾的局面，正体现了我国储蓄结构分布不合理导致的资金使用效率低下的现状。高储蓄率并不能保证高质量的经济增长，更为重要的是要合理配置储蓄资金流向，优化储蓄结构，提高储蓄使用效率。 首先，本文给出储蓄和储蓄结构的概念界定，然后进一步分析三大经济主体的储蓄动机。由于目前尚无较为完整的储蓄统计数据，本文依据一定的统计口径，收集整理出储蓄部门结构和储蓄资产结构的相关数据资料。通过对储蓄结构数据分析，不难看出，在改革以来的20多年中，储蓄的部门结构和资产结构均发生了巨大的变化。追根溯源，正是由于收入分配制度、消费体制、社会保障制度、金融储蓄资产和利率等多方面因素的变化，影响了储蓄结构的分布。联系近年来中国金融发展的历程和现实中存在的储蓄与投资缺口，本文提出可以通过金融的发展来优化储蓄结构。同时，通过对哈罗德——多玛经济增长模型的修正和对储蓄结构与金融相关率及经济增长率的相关系数分析和回归分析，本文得出：无论从理论上还是实证上，储蓄结构与金融发展、经济增长之间存在正相关关系。储蓄部门结构和储蓄资产结构的优化将推动金融发展和经济增长；金融发展和经济增长亦为储蓄结构的优化创造了条件。它们之间是相互作用，相互影响的。由此提出储蓄结构发展的证券化趋势。最后，本文提出了现行储蓄结构所存在的六大负面效应，并试图从收入分配领域调节、社会保障制度建设和资本市场完善和规范三方面提出相应优化储蓄结构的政策性建议，希望成为有关部门制订政策的参考和依据。更多还原

【Abstract】 Recently, there rise a peculiar phenomena in the economic construction in China, that is on one hand, the amount of savings is increasing rapidly and great amount of capital is not put into service; on the other hand, our country is still lack of investment and construction capital. This conflict reflects the fact that the unreasonable distribution of savings structure has lead to low efficiency of capital using. Obviously, high rate of savings can’t guarantee high quality of economic growth. The key is to allocate the savings capital properly to enhance the using efficiency.On the basis of present savings theories, the thesis defines the definition of savings and savings structure and analysis the savings purpose of three economic bodies. Due to the lack of complete statistic data on savings, the thesis sort out relative data on division structure and capital structure of savings. Through analyzing on savings data, we can see great changes have taken place in the division structure and capital structure of savings in 20 years since the reform began. By this clue, due to the changes of income allocation, consumption, social security, financial capital and rates, savings structure has been fundamentally affected. On account of the history of financial development in China and the existing inconsonance between savings and investment, the thesis point out that the optimization of savings structure can be driven by the development of finance. By revising Harid-Doma’s Economic Growth Model and analyze the correlation and regression relation between savings structure and Financial Interrelated Rate and Economic Growth Rate, the thesis draw the follow conclusion: either from theory or from practice, savings structure has positive correlative relation with financial development and economic growth. Optimization on the division structure and capital structure of savings can promote financial development and economic growth. Vice verse, financial development and economic growth create the condition for the optimization of savings structure. They are interactive. Meanwhile, the thesis presents the bond tendency of development of savings structure. At last, the thesis list out six negative effects lying in the present savings structure and tries to give corresponding suggestions on optimizing savings structure from the three aspects: the construction of the adjustment of income allocation, the construction of social security, the perfection and standardization of capital market. The thesis tries to offer some reference for the relative division drawing policies.更多还原