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当前我国高储蓄存款的真正威胁,一是储蓄存款中泡沫性存款的大量存在;二是货币性存款与资产性存款无法有所分离。对当前中央银行货币控制很严但货币流通量仍很大的现象,必须尽快采用资产负债比例管理,建立起与有效的宏观金融调控相适应的微观金融基础。而从改革的角度看,我国仍应实施适度从紧的货币政策。
At present, the real threat to China’s high savings deposits is the massive existence of bubble deposits in savings deposits. The second is that monetary deposits and asset deposits can not be separated. At present, the central bank’s currency control is very strict but the currency circulation is still very large. Therefore, it is necessary to adopt the asset-liability ratio management as soon as possible to establish a micro-financial base that is compatible with effective macro-financial regulation. From a reform perspective, our country should still implement a moderately tight monetary policy.