中国居民储蓄偏高的根本原因是中国老龄化加速趋势与社保不完善并存,正是这种状况,才出现了中国人低收入高储蓄等现象。引言多年来,中国居民的储蓄存款保持了高速增长,城乡居民人民币储蓄存款在2003年突破了10万亿,2011年末超过了34万亿人民币,许多人对此进行了研究,认为居民高储蓄率阻碍中国经济的发展,是导致国内消费动力不足的原因之一。董承章、张书云(2001)认为, The fundamental reason for the high saving of Chinese residents is that the accelerating trend of China’s aging and the imperfect and imperfect social security co-exist. It is exactly this situation that led to the emergence of Chinese people’s low-income and high-saving phenomena. Introduction Over the years, the savings deposits of Chinese residents maintained a rapid growth. Renminbi savings deposits of urban and rural residents exceeded 10 trillion yuan in 2003 and exceeded 34 trillion yuan in end-2011. Many people conducted a study on this issue and concluded that the high savings rate Hindering the development of China’s economy is one of the reasons for the lack of motivation for domestic consumption. Dong Chengzhang, Zhang Shuyun (2001) think,