本书从预防性的角度探寻了高储蓄率背后的动机，研究了以下三个问题：一是预防性储蓄的重要性，即家庭财富中有多大比例是由不确定性引起；二是伴随着医疗保险改革的深入和推进，不同时期家庭储蓄行为存在着怎样的差异性，同时体现了怎样的生命周期特征；三是在粘性信息下，消费行为存在跨期依赖时，当期消费和储蓄行为应该是受到未来多期不确定性的共同影响，那么将未来各时期不确定性进行累计加总后，会在多大程度上影响居民的消费和储蓄。这三大问题结合了微观层面和宏观层面，最终得出了发挥消费基础性作用的政策建议。

This book explores the motivations behind high savings rates from a preventive perspective, examining the following three issues: first, the importance of precautionary savings, that is, what proportion of household wealth is caused by uncertainty; Second, with the deepening and advancement of medical insurance reform, what are the differences in household savings behavior in different periods, and what kind of life cycle characteristics are reflected; Third, under sticky information, when there is an intertemporal dependence on consumption behavior, the current consumption and saving behavior should be affected by the uncertainty of multiple periods in the future, so to what extent will the cumulative uncertainty of the future period affect the consumption and savings of residents. These three issues combine the micro and macro levels to produce policy recommendations that play a fundamental role in consumption.（AI翻译）

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