To Promote Residents' Savings Deposits Into The Tax Policy

The resident's savings is not only the main capital source for national financial institutions and important channel for national capital accumulation, but also the key means for capital administrators to regulate the national currency. As an important factor of influencing the national economy, the appropriate amount of resident's savings promotes the economic development, while the inappropriate savings is to bring negative effect. In recent years, Chinese resident's savings deposit has increased at a higher speed and the deposit scale has become greater and greater. This situation mainly results from the following factors. First of all, increase of resident's incoming is the key factor. Second, resident's prevention motive strengthened by uncertain anticipation for the future is much more important in leading to this economic phenomenon. Third, financial products suitable for the resident to invest are deficient. Last but not least, this situation partly results from the drive force from the greater gap between the poor and rich people.From the perspective of economy circle, two factors lead to the fact that resident's savings increases too much. One is that resident's consumption motive is not strong enough because the proportion of consumption and saving is not appropriate in the controllable income (or net income). The other is that investment transformation channels are seriously deficient. Therefore, resident's investment motive is particularly weak. One or both of these two factors appears is to decelerate the economy growth, thus leads to the market atrophy. Particularly now, the circumstance is that the national macroscopic policy still continuously stimulates the inside need. However, the high increase of savings deposit is no doubt to weaken the effect of extending the inside need. At the same time, savings deposit increases too quickly is no doubt to enlarge bank's risk. Therefore, effective measurements must be taken to dredge the transformation channel between the savings deposit and investment, thus makes the large amount of savings deposit go out of the " hibernation" and transfer to consumption and investment fields quickly, then guides the economy to develop along a continuous and healthy way.To transform resident's savings deposit reasonably and moderately, measurement should be taken from three levels. First of all, improve society guarantee system as soon as possible and lower resident's prevention motive. Secondly, promote the savings deposit to flow into...