储蓄与消费的关系,究竟是对立的还是相互促进的呢,这个问题在金融理论界众说纷纭,意见不一。因此,在理论上搞清楚这个问题,对于进一步开展储蓄业务,无疑具有重要的现实意义。有的同志认为储蓄与消费的关系是互相对立的:“商业部门为了加速商品流通,运用广告宣传等推销形式,花费很大代价吸收潜在的购买力;而银行也同样花费很大代价去鼓励人们推迟实现购买力。两者目的都是为了回笼货币,但宣传上却大搞这种相互抵消力量,毫无意义的‘竞争’,真是令人费解。”(《金融研究》一九八一年八期)这从表面上看来,似乎有些道理,其实这只看到问题的一个方面,而没有看到问题的另一个 Whether the relationship between savings and consumption oppose or promote each other is a question that has divergent views and divergences in the financial theory community. Therefore, to clarify this issue theoretically will undoubtedly have important practical significance for further carrying out the deposit business. Some comrades think that the relationship between saving and consumption is mutually exclusive: “In order to speed up the flow of goods, the commercial sector is spending a great deal of money to absorb the potential purchasing power in order to speed up the circulation of goods and banks. At the same time, banks also pay a great price to encourage the delay To achieve purchasing power, both for the purpose of withdrawing money, it is rather puzzling to publicize the senseless ”competition“ that is offsetting each other by force. ”(Financial Research, August 1981 ) This seems superficial, it seems that some truth, in fact, only see one aspect of the problem, but did not see another problem