预防性储蓄理论认为不确定性对居民消费有负效应。
Precaution saving theory suggests that uncertainty have a negative effect on consumption.
我国学者利用西方的消费理论对这种现象进行了研究，尤其近几年以预防性储蓄理论进行研究的较多。
The Chinese researchers has studied this phenomena by means of the western consumption theory. These years more and more researchers use the theory of precautionary saving to study this issue.
从本质上讲，预防性储蓄理论说的是，更多的不确定性会降低平均消费倾向(APC)，即比消费与收入的比率。
Essentially, what the precautionary-saving literature says is that more uncertainty reduces the average propensity to consume (APC), the ratio of consumption to income.
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