Study Of National Poverty-stricken Areas Of Yunnan Farmers Savings Behavior

Savings is the main source of economic development, appropriate savings rate is necessary to ensure the economic increase, the theorists have done many researches accordingly, but in poverty area farmers'savings of Yunnan nationality has its particularity. The writer made his own judgments about the savings level of Yunnan nationality farmers in poverty area bases on the statistical analysis and field research, profoundly analyzed the character and affecting factors of the savings behavior and briefly discussed the implementation theory of optimal savings rate in this area. Finally, this article also gives some policy suggestions of promoting savings level of Yunnan nationality farmers in poverty area.In this article, norms & demonstration, qualitative & quota, history & logic of traditional economics are used, at the same time, analysis focus on comparison and measurement, modeling, common and especial analysis theory are applied to the researches. The main innovations of the research are as follow: (1) Research systemically on the savings behavior of a particular area and publics - Yunnan nationality farmers in poverty area - by using the method of economics for the first time; (2) Made the own rational judgments on savings level rate and its rationality in this area; (3) Explored the optimal methods of savings and consumption ratio; (4) Analyzed of ethnic savings behavior characteristics and savings factors of Yunnan nationality farmers in poverty area; (5) Mainstream economist Schultz gave new explanation on the reason of poverty farmers'low savings rate; (6) Re-examined the applicability of the current nationality savings policy in Yunnan poverty areas;(7) Gave the opposite policy recommendations with the mainstream standpoint s and the current policy.The main conclusions are as follows:(1) Low savings rate of farmers in Yunnan poverty areas is detrimental to local economic development; (2) This area has different savings behavior characteristic to other areas; (3) Low savings rate is mainly due to low-income and consumption habits which close to ethnic customs; (4) Schultz's explanation of traditional low savings rate doesn't match to the savings behavior characteristics of Yunnan nationality farmers in poverty area, Thus applicability of his theoretical standpoints in the above areas is doubtful;(5) Policy of encouraging consumption is not appropriate in the area above, encouragement of savings and investment is the right way to developing local economic and income level.