摘要:经济的增长主要由投资，出口和消费拉动。进入21世纪以来，我国的国民经济一直保持较快的增长，但消费对经济增长的拉动作用却在呈下降趋势。

　　　本文是以常州市为例，分析得到常州市正处于低消费高储蓄这一发展阶段。在此情况下，分别引入凯恩斯的储蓄理论和生命周期理论，对常州市的消费和储蓄进行实证分析,并借鉴该理论以及全国消费储蓄状况分析常州市消费率相对较低的原因，并对增加常州市居民消费提出相应的政策建议,以此来改善常州市的消费环境，促进常州市的经济发展。 

关键词  消费；储蓄；边际消费倾向

Abstract:Economic growth is mainly driven by investment, export and consumption. Since twenty-first Century, China's national economy has maintained rapid growth, but the consumption of economic growth is on the decline.

　　　This paper takes Changzhou city as an example, analysis of the Changzhou city is in the low consumption and high savings at this stage of development. In this case, the consumption theory and life cycle theory were introduced Keynes, Changzhou city on the consumption and saving of short-term and long-term analysis. From the theory and the national consumer savings situation analysis in Changzhou city consumption rate is relatively low, and the increasing consumption of Changzhou residents put forward the corresponding policy suggestions, in order to improve the consumption environment in Changzhou City, promote the economic development of Changzhou city.

Keywords  consumption  savings  the marginal propensity to consume

　　　引入凯恩斯的消费理论和生命周期消费理论的相关理论，生命周期消费理论强调或注重长时期甚至是一生的生活消费，是长期分析，凯恩斯的理论则把一定时期的消费与该时期的可支配收入联系起来，是短期分析。运用该理论对常州市城镇居民低消费高储蓄的现状进行实证分析。结合理论分析，进一步探究常州市低消费形成的原因，并给出相关政策建议。