橱金玉在《学术论坛》２００１年第５期撰文指出，人们对未来生活保障安全性预期的不确定，造成了高额储蓄与疲软消费的反差，现行的社会保障制度成为扩大内需的“瓶颈”。因为二元化的格局使城乡社会保障出现了巨大反差。社会福利和保障制度延伸不到农村，农民除了养儿防老还 Chen Jinyu in the “Academic Forum” No. 5 in 2001 the author pointed out that people’s expectations of future security of life uncertainty, resulting in high savings and soft consumption contrast, the existing social security system has become a “bottleneck” to expand domestic demand, . Because of the dual pattern of urban and rural social security there has been a huge contrast. Social welfare and security system can not extend to rural areas, farmers in addition to raising children anti-aging also