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储蓄和投资的经济作用

储蓄和投资是宏观经济学的两个关键元素。储蓄和投资这一术语有时让我们困惑，我们使用时经常互换这些术语。所以储蓄和投资的概念应该了解清楚。

消费支出小于可用的可支配收入称为个人储蓄或简称储蓄。它没有任何的风险。它可以存入银行或养老基金,购买业务,偿还债务等。储蓄是对资产的常见处理方式,可用于支付未来的消费。如果以股息,利息、资本利得的租金的形式回报储蓄，那么个人储蓄和他们的个人财富就会有一个净收益。

当一个人决定增加储蓄减少消费时,他会影响别人,因为他的行为使得依赖于他的消费的人收入减少。这之后这个人也会减少自己的消费。因此这将影响整个经济活动。以这样的一种方式个人储蓄转换为了总储蓄。
当个人购买纸质财产如美元和股票或债券认证时总储蓄不会增加。

The role of Saving and Investment in an economy

Saving & Investment are two crucial elements of macro-economics. The term Saving & Investment sometimes make us confusing & we use these terms in interchangeably. So concept of Saving & Investment should be cleared.

Spending less on consumption than available one's disposable income called individual saving or simply saving. It bears no risk or a slight of risk at all. It can be deposited in a bank or pension fund, buy a business, pay down debt etc. The common element of saving is the claim on asset that can be used to pay for future consumption. If there is return on the saving in the form of dividend, interest, rent on capital gain there can be a net gain in individual saving and they in individual wealth.

When an individual decides to increase saving by consuming less, it will affect others because he who depends on him will loss his income. Later, he will like to cut his consumption. Thus it will affect the whole. In such a way, individual saving convert into aggregate saving.

Aggregate saving doesn't increase as a result of individual acquiring pieces of paper like dollar bill or stock or bond certificates. That merely swap one type of financial asset for another without affecting the total. Aggregate saving occurs when the nation acquires real domestic asset. Such as new housing new machinery, new factories and offices, additions to a firm's inventory of goods or new claim on asset overseas. And that is preciously what is meant by investment.

Investment is one kind of catalyst's for growth in aggregate wealth. Without increasing aggregate saving we cannot increase investment. Increasing individual saving will not increase aggregate saving unless they increase investment.

We have seen earlier. The relationship of saving & Investment & how there is a little bit difference of them which will be mentioned here.

We know saving includes reducing expenditure, such as recurring cost. In term of personal Finance, saving refers to low risk preservation of money like deposit account whereas investment specifics where risk is higher.

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Saving is closely related to investment. By not using income to buy consumer goods & services, it is possible for resources to be invested by being used to produce fixed capital, such as factory & machinery. Saving can therefore be vital to increase the amount of fixed capital available which contributes to economic growth.

However increased saving doesn't always refers to increased investment. If saving is not deposited in a financial intermediary like bank or stashed for any reason there is no chance for those savings to be recycled as investment by business.

This means saving may increase without increasing investment possibly causing a short fall of demand rather than to economic growth. It may happen during rec本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。