| In the process of economy system turn track and society insurance system transformation, because of the indetermination of exterior environment and residents risk expectation , the town residents' income is big part saved in bank to cope with future expenditure and income's motion, which result in consume long-term overcast, but residents consume is importance driving force of economy growth, so we have necessity to establish society insurance system to help the residents face indetermination, promote consume growth and then promote economy development.The article research society insurance's function to help consume, especially in the period of economy transformation, and society insurance influence residents consume function mechanism in three parts: society insurance and residents'controllable income, society insurance and residents' prevention save, society insurance level and income allotment effect. It establish mathematics model to study theories of the possibility.Society insurance can influence consume expectation, only perfect society insurance system then can exaltation consume incline and consume ability of medium low income stratum , lower prevention to save with exaltation long-term average consume incline, therefore, we should gradually exaltation overlay ratio of the residents of society insurance in the town, it will be advantageous to release save, pull consume.In the end, the article put forward to suggestion of establishing perfect society insurance and socialism market economy system. We should exaltation society overlay of insurance system scope, and establish state of the nation of society insurance system which can be good for all society member. Although from China currently economy and society development to see, to attain the above-mentioned target is still very difficult in the near future, this does not influence the policy meaning of the theories analysis and substantial evidence research and end target pursue of the insurance system. |
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