英文金融论文

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(investmen-t),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 thi-ng that is for sure.In western developed countries, the greatest contribu-tion 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 stimulatedomestic demand but don't

obtain satisfactory effect.As far asI 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 spe-nd money in consume more.

Second, save money attitude.Chinese have save money habit.They thi-nk save money in the bank is better than spendit 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 ins

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tead 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 peo-ple can consume so much money.In fact, only public consumption can st-imulating consumption.Few rich can't afford the large output of China, but most Chinese don't have enough money to consume.At the same tim-e, 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 cho-se 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.

Fifth,social security system is imperfect. Chinese people face six big problem in daily life, there are see a doctor, go to school, pension, house, wedding, unemployment.Those problem all very important and necessa-ry to people life. In western developed countries,government use social s-ecurity system to solve people's worry.But in China, because social security system is imperfect, and people can't afford it in a short period of tim-e, they have to solve those problem by themselves.So they chose save money in bank, buy house through loans.All in all, social security system is imperfect make people don't have enough money to consume.

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Sixth, level of economic development is low.Although the increase of GDP in our Chinese almost keep on a high level in last decade.China has huge population, so because of the population,Chinese level of economi-c development is also low.People don't have enough money,of course th-ey don't pay money for consumption.

Seventh,the business environment is not perfect,high cost of doing business.World Bank estimate and ranking of business environment in 183 countries and regions in 2010,China's business environment overall

ranking of 79, in investor protection, the tax burden will be placed in the 100 before and after, and creation of enterprises, to obtain the ranking

of the business license, etc. even in the 150.The business environment is not ideal, and improve the operating costs of Chinese enterprises in the

country,resulting in the domestic trade is more difficult than international-l trad.

Eighth, local protectionism.While market-oriented reforms have been carried out for 30 years, but the uneven Chinese provinces and autonom-ous regions at this stage the degree of market-oriented, local protectionism is still very prominent, especially in the central and western regions

are the most serious.Especially after the 1994 Tax Reform, the local gove-rnment for the blind pursuit of GDP and tax revenue, the things they do have strong motivation to strengthen the protection of local enterprises.Due to the existence of local protectionism, develop domestic and region-al markets also faced with greatly retard.And hinder the develop of dom-estic mark.

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The above eight factors is the obstacle of China stimulate domestic demand in my opinions.Those factors are from people's attitudes,the level of economic development,social security system and domestic mark.Stimulating domestic demand is a important problem for China economic develop, to solve problem need a very long time.So we must take more care about it.

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