从经济学的角度来说 ,对利息课税并不必然减少储蓄 ,能否减少取决于征税的替代效应和收入效应共同作用的效果。总的来说 ,开征利息税将为房地产市场带来增量资金以及对投资观念的影响。但我们也必须看到 ,开征利息税对分流储蓄存款所起到的作用是十分有限的。因此我们要把握利息税引致的资金出笼的良机 ,尽可能地吸引储蓄分流资金入市。 From an economic point of view, taxing interest does not necessarily reduce savings, but it also reduces the effect of synergies between substitution effects and income effects that depend on taxation. In general, the introduction of interest tax will bring incremental funds to the real estate market and the impact on investment concept. However, we must also see that the effect of introducing interest tax on diversion of savings deposits is very limited. Therefore, we must seize the opportunities brought by the interest tax to come out as far as possible and attract as much as possible the diversion of funds into the market.