【新唐人2012年11月22日讯】中国的国民储蓄率已经超过50%，却被认为是导致国内消费动力不足的原因之一。并有所谓专家说，要让国民敢于消费、主动消费，来加速中国经济走出低谷，推动经济转型。可是，经济学者表示，中国所谓的经济改革成果，都被中共特权利益集团抢去了，要想推动经济转型，不是从国民开始，应该从中共特权阶层开始。
11月21号，《人民网》刊文指出，中国面临国际金融危机和调整经济结构的双重挑战，“提振内需、扩大消费”已成为促进经济转型的重要手段。
报导引用国际货币基金组织的数据说，90年代初，中国居民储蓄占国民生产总值的35％以上，到2005年中国储蓄率高达51％，而全球平均储蓄率仅为19.7％。2009年，中国居民储蓄率52％，储蓄余额突破了18万亿元，储蓄率在全世界排名第一，人均储蓄超过1万元。
不过，中国国民储蓄率攀升的同时，消费意愿却在减弱。去年（2011年）初，央行公布的储户问卷调查报告显示，高达85.8%的城镇居民倾向于储蓄，只有14.2%的居民倾向于更多消费。
大陆律师李天天指出，大多数人倾向于存款，只能说明国民福利太低，人人都没有安全感，很多人一辈子省吃俭用都买不起一套房子。
大陆律师 李天天：“物价这么高，房子这么贵，他没有养老保障，他一辈子的钱都不敢花，他都要存着，像老年人他有钱他哪儿敢花啊，医疗没有保障，养老没有保障，还有很多东西都没有保障，血汗钱，保命钱，谁敢消费啊。”
报导还引用中共国务院发展研究中心研究员吴敬琏的分析指出，国民过度储蓄和消费不足这种不平衡，阻碍了中国的经济增长。而专家说，应当逐步降低当前过高的储蓄率，让国民敢于消费、主动消费，从而加速中国经济走出低谷，推动经济转型。
不过，美国“南卡罗莱纳大学艾肯商学院”教授谢田指出，中国所谓的经济改革成果，已经被中共特权利益集团全部抢走，一般民众消费不起。
美“南卡罗莱纳大学艾肯商学院”教授 谢田：“这些专家基本上在昧着良心说话，希望民众敢于消费，主动消费，你如果也是一般人的工资水平，看到房价这么高，还有医疗保险，教育这些费用，你敢不敢消费？他也不敢消费，除非他站在利益集团这一阶层或者从中得到了好处，才敢这么胡说八道。”
谢田指出，华人有节俭的习惯，亚洲国家的储蓄率明显高于西方国家，但，中国储蓄率竟然高达52%，完全是中共畸形的政策导致的恶果。
谢田：“为什么中国百姓要存那么多钱呢，是因为他们害怕，他们对未来强烈的不确定感，不知道未来会怎么样，是因为中国通货膨胀这么严重，老百姓不得不储蓄来购买房子，或者来准备教育，医疗，退休的那些庞大的资金需求。”
谢田进一步指出，想加速中国经济走出低谷，推动经济转型的话，不是从国民开始，应该从中共当局开始。
谢田：“首先中国政府应该想办法把资金回笼，把中国通货膨胀降下来，第二，中共那些贪官他们掘去的财富应该吐出来，返回到中国民众老姓手里，这样民众就会有钱了，中国现在的问题是国富民穷，财富都被国家拿走了，被国家拿走实际上就是被中共的特权阶层拿走了。”
8月底，中共国务院经济学者李佐军指出，2013年前后，中国可能要爆发一场经济危机，同时将引发社会问题，目前积聚下来的多种社会矛盾激化或爆发，是山雨欲来的前兆。
采访编辑/李韵 后制/王明宇
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High Savings Rate Hinder Economics?
China’s national savings rate has exceeded 50%, but was
considered to be one of the reasons for underpowered domestic consumption.
Some so-called experts said, making people dare to consume
and consume actively could accelerate progress out of
an economic recession and promote economic restructuring.
However, economists said that the so-called economic reform
results in China, were all looted away by the Chinese Communist Party (CCP) privileged interest groups.
To promote economic restructuring, it should not start from
the citizens, but the CCP privileged class.
On 21st November, People’s Daily published
an article pointing out that
China is facing the dual challenges of the international
financial crisis and the adjustment of economic structure,
boosting domestic demand and expanding consumption have
become important means to promote economic restructuring.
The report referred data from the International
Monetary Fund, saying in the early 1990s,
China’s household savings accounted for more than 35%
of the gross domestic product.
In 2005, the Chinese savings rate was up to 51%,
while the global average savings rate was only 19.7%.
In 2009, China’s household savings rate was 52%,
and the savings balance exceeded 18 trillion Yen;
the savings rate ranked first in the world,
and per capita savings was more than 10,000 Yen.
However, while China’s national savings rate climbed,
consumers’ willingness to spend is on the wane.
In early 2011, the central bank published
a depositors survey report,
which showed that up to 85.8% of urban residents
tended to save and only 14.2% tended to spend more.
Lawyer Li Tiantian in China pointed out most people tend to
save money, which only shows that national welfare is too low,
people feel insecure in life, and a lot of people could even
afford a house though they live frugally for a lifetime.
Li Tiantian: “The prices are so high, and houses are so
expensive, the CCP does not offer a pension guarantee,
so people dare not spend their money,
even if saving for a lifetime.
For the seniors, how dare they spend money?
There is no government aid medical insurance,
no guaranteed pension, so many things have no guarantee.
So how can people spend the money they earned?”
The report also cited the analysis of Wu Jinglian from the
PRC’s State Council Development Research Center, and
pointed out the imbalance of excessive national savings
and lack of consumption hinder China’s economic growth.
Experts say, it should gradually reduce the high savings rate,
allow and encourage people to spend and actively consume,
thus speeding up China’s turn-around out of economic
recession, and promoting economic restructuring.
However, Professor Xie Tian from the Business School at the
University of South Carolina-Aiken pointed out that the
results of the so-called economic reforms in China have been
all looted away by the CCP privileged interest groups, so the public cannot afford to consume.
Professor Xie Tian: “basically, these experts are speaking
unconscionably, hoping that the people dare consume and actively spend.
If you are also at the average person’s wage level,
seeing that house prices are so high,
plus medical insurance and education costs,
would you consume?
No. He must be standing for the interest group or be gaining
some benefits from them, allowing him to speak nonsense.”
Xie Tian said that the Chinese have frugal habits, and the
savings rate in Asian countries was significantly higher than those in the West.
But China’s savings rate is as high as 52%,
which is completely the result of malformed CCP policy making.
Xie Tian: “Why do Chinese people want to save
so much money?
Because they are afraid, they have a strong sense of
uncertainty about their future.
They do not know what their future will be like.
Inflation in China is so serious, so people had
to save for a house, or to prepare for education, health care, and retirement.”
Additionally, Xie Tian, pointed out that to accelerate
China’s turn-around out of economic recession and
to promote economic restructuring, it should not start
from the citizens, but should begin with the Communist authorities.
Xie Tian: “Firstly, the Chinese government should think of
ways for the capital return to knock down inflation in China.
Secondly, the corrupted CCP officials should return
the money they steal from the Chinese people.
Then the Chinese would have money to spend.
Now China is rich but the people are poor.
The treasures were taken away by the country,
or actually by the CCP privileged class.”
At the end of August, the PRC State Council economist,
Li Zuojun said, in around the year 2013,
China may have an outbreak of an economic crisis,
which will lead to social problems.
The outbreak of current accumulated social conflicts is
a precursor of an imminent storm.
