摘要：近年来，中国经济一直保持高增长，储蓄率也一直维持在极高的水平上，但消费率走势较低。本文主要从转变思想观念，优化国民收入分配机制，完善社会保障体系，发展个人消费信贷等多方面着手，切实改善消费预期，增强消费能力，以实现真正提升消费者的消费意愿。以使国民人均消费总额达到新高点，使得储蓄与投资能和谐的促进经济的发展。在“十二五”计划的初期，如何加快新一轮的经济体制改革，进一步焕发出中华民族改革创新、锐意进取和不断提高生产效率的积极性，有效遏制不合理经济体制机制造成的资源浪费，为全面建设小康社会打下具有决定性意义的基础。

关键词：储蓄  储蓄率   消费  消费率  经济增长

Abstract: In recent years, Chinese economy has maintained high growth, the savings rate has been maintained at a high level, but the trend of lower consumption rate. This article from the transformation of ideas, optimize the national income distribution system, improve the social security system, the development of consumer credit and other different areas, and improve consumer expectations and increased spending power, in order to achieve a real consumer spending will improve. So that the total amount of the national per capita consumption reached a new high point, making savings and investment can promote economic development and harmonious. In the "second Five-Year" Plan early, how to accelerate a new round of economic reform and further reform of the Chinese nation glow innovative and enterprising and improving productivity initiative to effectively curb the irrational economic system mechanisms probably waste of resources, for the comprehensive construction of a well laid the foundation of decisive significance.

Keywords: Savings ;Savings rate;Consumer;Consumption rate;Economic growth