Saving and Investing Among Polish Society - Disscusion Starting Point (波兰社会的储蓄与投资— —论证的起点) (Chinese)

During the Polish economy transformation process a lot of reforms have been implemented, including those connected with pension system. But future pensioners should not, unfortunately, trust in high rate of future pensions received from pensioner system, much earlier, individually should take care of their financial security. Do Poles really undertake this kind of activities? Do they save and invest? In this working paper results of research conducted by others and the author have been presented in order to formulate an answer to the abovementioned question. The identification of standpoints and behavior concerning saving and investing is crucial in reference to economic and educational policy. Changing social mentality requires many years. What should be of high concern is a steady growth of households debt level in banks.Therefore, in the present paper, the deliberation on the saving issue will be provided in relation to two groups: a representative sample referring to average citizens saving in the traditional way (most oft en bank deposits) and a target sample referring to individuals investing on stock exchange in more advanced financial instruments.Moreover, in the article examples of proactive state undertakings aiming at encouraging citizens to saving have been presented. Unfortunately, the examples are taken from the British market, and not Polish.因此，本文将通过两个样本组来探讨储蓄问题：代表性样本组和目标样本组。前者是指以传统方式储蓄（通常是银行储蓄）的普通市民，后者是指利用相对先进的金融工具投资于证券的个人。此外，本文还将举例说明波兰政府为了鼓励市民储蓄所采取的积极的国家政策。但文中例举并非来自波兰市场，而是英国市场。