金融英语论文

所属课程名称金融英语

班级金融1002班

学号************ 姓名刘昊

The Factor Of Hinder China Stimulate Domestic Demand

As we all know, the increase of GDP in a country is based on C(consumer)、I(investment)、G(government purchases) and N(net exports).The last decade, the increase of GDP in our Chinese almost keep on a high level.It is a good thing that is for sure.In western developed countries, the greatest contribution to increase of GDP is C,but in China situation is different.I and N play the most important role.It isn't a good thing for Chinese develop.So our government try their best to stimulate domestic demand but don't obtain satisfactory effect.As far as I am concerned, there are some factor of hinder China stimulate domestic demand.

First,most Chinese consumer attitudes lag.Attitudes may can't decide people behavior , but will influence people behavior .During 5000 years developing, Chinese people formed the attitudes like hard work and plain living, keep balance of income and expenditure. Those attitudes are good habits indeed.But Chinese people always do it overly.They always think that consume can ensure the life is enough, so they don't want spend money in consume more.

Second, save money attitude.Chinese have save money habit.They think save money in the bank is better than spend

it in consume.The reason of this habit is from many aspects.Such as people afraid there will some problems in the future, they need money for preparation.Save money in bank is more safety and can get interest every year and so on.Because of unknown problem from all kind of side. Chinese people chose save money in bank instead of consume.

Third, serious polarization.According to scholar research, 20 percent of people holding 80 percent of money.It hard to believe that so less people can consume so much money.In fact, only public consumption can stimulating consumption.Few rich can't afford the large output of China, but most Chinese don't have enough money to consume.At the same time, the rich use their free money in investment, it make it's more hard to stimulating consumption.

Fourth, the wrong guide of making money.In China is hard for people to become rich through hard working.Work hard may only can solve the live problem.In order to have better live quickly, people would like to chose investment and speculative to make money.So people reduce spend money in consume and use surplus money in investment and speculative.But the fact is investment and speculative has a huge risk, large quantity of people lost their money in stock in recent years.