社会杂志 ›› 2009, Vol. 29 ›› Issue (5): 132-148.

• 论文 • 上一篇    下一篇

风险与预期：社会保障对中国居民消费与储蓄行为的影响

王一   

  1. 吉林大学哲学社会学院社会保障系 硕士
  • 出版日期:2009-09-20 发布日期:2009-09-20
  • 基金资助:

    本研究受国家社会科学基金重大项目（07&ZD049）资助。

Risk and Anticipation： The Effect of Social Security on the Chinese Residents’ Consumption and Savings

 WANG Yi   

  • Online:2009-09-20 Published:2009-09-20

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摘要：

目前，中国经济继续处于快速增长阶段，但出现了总需求不足下的居民储蓄总量持续攀升的状况，高储蓄、低消费所造成的内需不足已经成为中国经济快速发展和良性运行的主要制约因素，而社会保障体系的不健全是老百姓不敢花钱的重要原因。本文分析了中国社会保障水平及社会保障制度对居民储蓄行为的影响，试图从社会保障角度来探讨扩大内部需求、刺激居民消费和增进国民福祉的关键。

关键词: 人民调解, 社会化, 再组织, 人民调解工作室, 储蓄, 消费, 风险, 预期, 社会保障水平

Abstract:

 At present， the economy has been on a speedy rise in China， but the Chinese residents’ savings have continued to climb even the total demand is not sufficient. The low internal demand resulting from high savings but low consumption has become an important factor that restricts China’s economy from developing rapidly and operating positively. The unsteady social security system is the major reason for the people’s caution on spending. This paper mainly analyzes how the social security level and social security system in China affect the residents’ savings and discusses the key to accelerating the national internal demand， stimulating people’s consumption， and improving the Chinese citizens’ benefits from the perspective of social security.

Key words: people’s mediation, socialization, reorganization, workrooms of people’s mediation, anticipation, consumption, risk, savings, social security level