目前我国有5万亿元的居民储蓄存款,储蓄率达40％。从1997年到1998年的连续6次降息后,不仅没有使其从银行释放出来,且在利率会继续下调的心理预期下,居民储蓄不减反增,居民的消费相对冷淡。当年大经济学家凯恩斯说过,节俭对个人可能是美德,但一定的时候大家都去节俭对民族将是一场悲剧。在社会有效需求不足的时候,大家不应该考虑如何增加储蓄,而是考虑如何增加消费。当前我国外贸受亚洲金融危机的影响而进出口下降,现在只有靠增加国内需求了。增加内需仅靠政府投资是不够的,因为政府受财力的限制,启动总需求的作用也是有限的。当前 At present, China has 5 trillion yuan of resident savings deposits, savings rate of 40%. After a series of 6 interest rate cuts from 1997 to 1998, not only did it not be released from the banks, but with the psychological expectation that interest rates would continue to decrease, the residents ’savings would not decrease but the residents’ consumption would be relatively cool. The then economist Keynes said that frugality might be a virtue to individuals, but for a certain period everybody would go thrifty to the nation would be a tragedy. In the absence of effective social demand, one should not consider how to increase savings. Instead, we should consider how to increase consumption. At present, the foreign trade in our country is affected by the Asian financial crisis and the import and export of goods have declined. Now it is only by increasing domestic demand. It is not enough to increase domestic demand solely by government investment. Because the government is constrained by its financial resources, the role of starting total demand is limited. current