厦门大学经济学院副院长林擎国认为：由于民众收入水平差距过大造成贫富不均，已经越来越明显地削弱广大消费者的消费能力，降低民众的消费意愿。据分析，中国民众拥有的大约五万亿元人民币存款，经过政府连续四次降息依然不见出笼，主要原因是这些存款过于集中于少数民众的手 Lin Juiguo, vice dean of Xiamen University’s School of Economics, believes that as a result of the disparities in income levels, the gap between the rich and the poor has been more and more obviously weakened the spending power of consumers and the public’s willingness to spend less. According to the analysis, about 5 trillion yuan deposits owned by the Chinese people are still missing after the government cut interest rates four times in a row. The main reason is that these deposits are too concentrated on the hands of the minority