目前,我国的居民消费内需严重不足,居民普遍出现不敢消费、不愿消费的现象,大部分居民都将金钱存入银行,这样严重制约我国货币政策的推行,影响货币政策作用的发挥。众所周知,国家货币政策的制定受到了我国居民消费行为以及储蓄行为的影响,因此,为了更好地了解居民消费行为和储蓄行为对我国货币政策的影响,本文就对此进行了一定的研究与分析。 At present, the domestic consumption of residents in our country is seriously inadequate. Residents generally do not dare consume and are unwilling to consume. Most residents deposit money in banks, which seriously restricts the implementation of monetary policy in our country and affects the role of monetary policy. As we all know, the formulation of the national monetary policy has been influenced by the residents ’consuming behaviors and saving behaviors in our country. Therefore, in order to understand the influence of the residents’ consuming behaviors and saving behaviors on the monetary policy in our country, this article has done some research and analysis .