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本文分析了城镇居民的消费一储蓄选择行为，并进一步考察了影响居民决策的其它因素。本文认为，目前城镇居民消费需求不足的主要原因，是制度变迁所带来的居民理性的发展和不确定性的加大、以及收入方面的诸因素，使居民在消费－储蓄选择中更偏好储蓄。因此，要启动城镇居民消费需求，只有针对上述问题采取对策方可解决。
This paper analyzes the consumption-saving choice behavior of urban residents and further examines other factors that affect residents’ decision-making. This paper argues that the main reason for the current lack of urban residents ’consumer demand is the increase of residents’ rational development and uncertainty caused by institutional changes and the factors of income so that residents prefer saving in the consumption-saving choice . Therefore, to start the consumption demand of urban residents, only countermeasures against the above problems can be taken.