储蓄性

国家提倡劳动者个人进行储蓄性保险。

The State advocates for individual workers to engage in savings insurance .

同时，鼓励建立企业年金和个人储蓄性养老保险。

In the meantime , encourage build enterprise annuity and individual deposit sex endowment insurance .

文中问题金融机构包含了储蓄性和投资性的金融机构。

Paper , the problem of financial institutions includes savings and investment in financial institutions .

鼓励、支持企业和员工参加企业年金和个人储蓄性养老保险。

It shall encourage and support enterprises and their employees to buy the endowment insurance in the forms of enterprise annuities and personal savings .

多层次的养老保险体系包括：基本养老保险、企业补充养老保险和职工个人储蓄性养老保险。

The multiple level system of endowment insurance includes : Basic endowment insurance , enterprise supplementary endowment insurance with staff individual save endowment insurance .

第一部分是基本养老保险，第二部分是企业补充养老保险，第三部分是个人储蓄性养老保险。

The first part is primary endowment insurance , the2nd part is enterprise complement endowment insurance , the3rd part is individual deposit sex endowment insurance .

国家还鼓励开展个人储蓄性养老保险，多渠道加强老年人的生活保障。

The state also encourages the development of old-age insurance attached to personal savings deposits ; and guarantees the livelihood of elderly people through multiple channels .

目前世界上大多数国家已建立了基本养老保险、企业年金和个人储蓄性养老保险的三支柱养老保险体系。

At present , most countries have established the three support old-age insurance system composed by basic old-age insurance , enterprise pension and personal savings of old-age insurance .

三支柱分别指采取现收现付制的国家基本养老保险、采取个人账户的企业补充养老保险和个人储蓄性养老保险。

Nowadays , the three pillars are applied widely among western countries , which include the basic social security fund , the occupational pension fund and the individual saving accounts .

我国政府在借鉴各国经验的基础上，建立由国家主办的基本养老保险、企业年金以及个人储蓄性养老保险三个支柱的养老保障体系。

On the basis of referring international experience , the Chinese government establishes the three-pillars social security system , the fundamental pension , occupational pension and individual savings and pension insurance .

要提倡勤俭持家，勤俭办社，勤俭建国。国家提倡劳动者个人进行储蓄性保险。

We must encourage diligence and thrift in running the household , running the co-operative and building the country . The State advocates for individual workers to engage in savings insurance .

在此基础上，应用不确定性下的消费模型，利用我国的数据，得出的实证结果表明我国城镇居民储蓄性动机很强。

On basis of above analysis , I apply the consumption model under uncertainty with the use of Chinese data , to reveal that Chinese urban residents have strong precautionary motive empirically .

在职工个人储蓄性养老保险方面，个人根据经济能力和不同需求自愿参加，国家在政策上予以引导，在储蓄利率上给予相应的优惠。

Is on the job work personal save endowment insurance aspect , individual attends voluntarily according to economic ability and different demand , country guides on policy , giving corresponding preference on save interest rate .

20世纪90年代以来，中国对养老制度进行改革，经过十几年的探索，中国已经建立起基本养老保险、企业补充养老保险（又称企业年金）和个人储蓄性养老保险三支柱的养老保险制度。

For more than a decade of exploration and reform , China has established three-pillar pension system model , which is basic pension , enterprise supplementary pension ( i.e. enterprise annuity ) and personal savings .

在财政困难和人口老龄化的压力下，许多国家建立了三支柱的养老保险制度，即以基本养老保险、企业年金和个人储蓄性养老保险为支柱的保险制度。

Under the pressure of finance and aging population , many countries reform their old endowment insurance system . The new system is composed of three parts : social primary pension , enterprise annuity and personal saving pension .

20世纪90年代，为应对人口老龄化危机以及世界各国日益严重的养老金资金来源短缺的问题，世界银行提出了由基本养老保险、企业年金、个人储蓄性养老保险共同组成的养老保险三支柱体系。

Throughout the 1990s , in response to the population aging crisis and world increasingly serious pension funds shortage , the World Bank proposed three kinds of endowment insurance : basic endowment insurance , occupational pension , individual deposit endowment insurance .

《国务院关于企业职工养老保险制度改革的决定》指出，随着经济的发展，逐步建立起基本养老保险与企业补充养老保险和职工个人储蓄性养老保险相结合的制度。

" State Department employees on business decisions of old-age insurance system reform , " pointed out that with economic development , and gradually establish a basic old-age insurance and enterprise supplementary pension insurance and employee personal savings of combining old-age insurance system .

个人养老储蓄的公共性研究

A Research of Individual Pension Saving and It 's Public Value

该地区还受益于强劲的投资增长、储蓄和流动性。

The region also benefits from strong investment growth , savings and liquidity .

预防性储蓄和流动性约束是解释转轨时期中国居民消费行为的流行理论，但目前国内学者大多采用静态估计方法，通过对小样本的时间序列数据进行普通最小。

Precautionary savings and Liquidity constraints theories are prevailing to explain the features of Chinese people consumption behavior in transitional period .

经济学家仍在什么水平的债务和储蓄具有可持续性的问题上争论不休，但银行似乎准备好了再多放些贷，同时消费者也开始借钱了。

Economists argue about sustainable levels of debt and savings , but banks seem ready to lend a bit more again , and consumers are starting to borrow .

一旦货币收入对人们的消费和储蓄产生持久性的影响，货币供给这一短期经济变量就会对长期经济增长产生实质性的作用。

They regard that during the course of economic growth , money be able to affect the degree of economic growth once the income of money eventually influences consume and saving .

第四部分是中国引入住房储蓄制度的适用性分析。

The fourth part is the research of CSH suitability to China .

根据储蓄行为及生产性国内投资的潜力，能进一步区分这些地区。

These zones can be further distinguished by savings behaviour and by potential for productive domestic investment .

正因为大银行能更容易地进入金融市场，有更广泛的资金来源，他们对储蓄存款的依赖性较低。

Precisely because of big banks'easier access to financial markets , they rely less on deposits for their funding .

远期，将住房储蓄演变为商业性储蓄，以住房抵押贷款证券化为主要的筹资模式。

In the long-term , housing savings will become the commercial savings , the housing loan security will be the main financial model .

第二，银行通过将储蓄引导到生产性投资领域，在有效配置有限的金融资源方面起着关键的作用。

Second , by cha eling savings to productive investments , banks play a key role in facilitating efficient allocation of scarce financial resources .

最后，对近30年以来的消费理论的最新发展动态进行了考察，如随机游走假定、预防性储蓄假定、流动性约束假定，对其局限性和应用价值做了一定分析。

Finally , the writer had done some comments about the latest consumption theories in the past 30 years , and also analyzed the limitation and the value of those statements .

导致金融危机的因素有好几个：贪婪的银行家、中国的大笔储蓄、具误导性的监管制度、对拥屋的痴迷——任你挑选。

The financial crisis was caused by many things : greedy bankers , a glut of Chinese savings , shoddy regulation , an obsession with home ownership - take your pick .

相反，美国和欧洲应该利用最近储蓄率的纠正性上升，来推动实物和人力资本的长期投资作为恢复持续增长的正确办法。

Instead , the US and Europe should be using the recent corrective boost in saving rates to promote long-term investments in physical and human capital as the proper way back to sustained growth .