第二章通过使用调查资料，对江苏省城镇居民家庭储蓄总量和结构进行描述和分析。
Chapter 2: it is a description and analysis on gross urban household savings and its structure in Jiangsu province by using research data.
然而，这种税减少了一生资源总量，往往也会减少当期消费，即增加储蓄。
However, such a tax reduces total lifetime resources, which tends to reduce present consumption, that is, increase saving.
基于此，居民金融储蓄行为需要总量和结构上的优化。
Therefore, the optimization of gross amount and structure of residents' financial savings is required.
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