近年来我国储蓄持续增长、消费严重不足的经济现象受到越来越广泛的重视,为了保证我国经济以较高的增长率持续、稳定地增长,政府采取了包括降低银行存款利率、提高居民的收入、鼓励个人信贷消费等措施来刺激消费、拉动内需,缓解消费需求相对不足的矛盾,但政策效果都不显著。更为严重的是去年美国引发的次贷危机对全球经济造成了严重的负面影响,也导致了我国出口下降、外需减少,因此刺激消费、拉动内需,缓解消费不足的严峻局面,保证经济快速、稳定发展是我国当前的首要目标之一。 In recent years, the economy of our country has witnessed more and more attention. In order to ensure a sustained and stable growth of our economy at a relatively high rate of growth, the government has taken measures including lowering the interest rate on bank deposits and raising the income of residents , Encourage personal credit consumption and other measures to stimulate consumption, stimulate domestic demand and ease the contradiction between the relative lack of consumer demand, but the policy effect is insignificant. What is more serious is that the subprime mortgage crisis triggered by the United States last year had a serious negative impact on the global economy and also led to a decline in exports and a decrease in external demand in our country. Therefore, stimulating consumption, boosting domestic demand and easing consumer spending have ensured the rapid economic growth, Stable development is one of the primary goals of our country.