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从结构上分析,可以发现我国的储蓄存款具有如下特征:1.具有较强的稳定性。首先,储蓄存款呈现“刚性”化稳定增长趋势,即各年的储蓄存款总是比上年增加。其次,定期储蓄的比重相当大。从全国看,定期储蓄占全部储蓄存款的比重约为80％。根据储蓄存款稳定性强的特征,可以认为:我国储蓄存款的稳定增长以及储蓄构成的相对稳定是以人们收入水平的稳定提高为前提的,我国储蓄存款的发展趋势是符合社会经济发展规律的。
From the structural analysis, we can find that China’s savings deposits have the following characteristics: 1. Has a strong stability. First, savings deposits have shown a “rigid” trend of steady growth, that is, savings deposits in each year have always been higher than in the previous year. Second, the proportion of regular savings is quite large. From a national perspective, regular savings accounts for about 80% of total savings deposits. According to the characteristics of the strong stability of savings deposits, it can be considered that the steady growth of savings deposits in our country and the relatively stable composition of savings are based on the steady increase of people’s income levels. The development trend of savings deposits in China is in line with the law of social and economic development.