Related to this is the need for improvements in the overall financial system . By developing markets for private pensions, commercial health insurance, and annuities, China could complement expanded government provision of social insurance and weaken the incentives that underlie high precautionary saving.
增加不同的储蓄产品种类也会提高家庭可支配收入并增加消费。一个更为发达的金融体系将提供不动产以外的替代性保值工具，从而将使人们更容易拥有房屋。随着基金组织展开对中国的“金融部门评估” (Financial Sector Assessment Program) ，基金组织与中国政府在今年里将对这些问题进行更深入的研究。