Keynes researches and analyzes effective demand , full employment etc . in macro - economics combining economics with ethics , and formed economic ethics thought featuring state interventionism 凯恩斯在经济与伦理的结合上，研究和分析了宏观经济学中的有效需求、节俭、储蓄、充分就业等问题，形成了以国家干预主义为特色的经济伦理思想。
Under the condition of the initial forming of buyer market in china , in order to solve the economic problem whose focal point is lack of efficient demand , consumer credit has been strengthened to develop gradually 在我国买方市场初步形成的条件下，为解决以有效需求不足为焦点的经济问题，国家也逐步加大了发展消费信贷的力度。
However , stirring rural market depend on the increase of farmers " income , so increasing farmers " income can be an available choice to solve the deficient demanding problem 启动农村市场是当前解决有效需求不足的主要思路，而农村市场启而不动归根到底在于农民收入增长缓慢。因而增加农民收入是当前解决我国有效需求不足的现实选择。
In order to solve the effective - demand lacking we should increase the effective supply besides extend the effective demand , the problem of effective demand lacking in fact is the problem of effective supply lacking 所以，要从根本上解决有效需求不足的问题，除了从需求的角度扩大有效需求之外，还必须从供给的角度增加社会有效供给。
All these maybe lie in these policies are incompletely applicable to chinese transitional economy . currently under the incompletely buyer market term the unequilibrium between supply and demand is effective supply lacking 在目前不完全买方市场条件下供需的不平衡表现为以结构短缺为特征的市场过剩，有效需求不足与有效供给不足共存。
If the effective consumption is enlarged , the market will be enlivened , the consumption structure and level of consumption will be improved . on the contrary , it can improve the growth of production and from a new economic growth point 有效需求扩大了，市场搞活了，消费结构和消费层次提高了，反过来就会促进生产的增长，形成新的经济增长点。
It possesses important practical significance for the vast residents " demands transformed from the potential to the effective . so it is useful to find a suitable housing finance pattern to meet the increasing housing demand of citizens 因此研究适合我国的住宅金融融资模式对于解决广大居民对住房的潜在需求向有效需求转化，具有重要的现实意义。
