将于2012年开始产生效果的中国十二五规划认识到了这些政策的必要性，也提出了一些手段应对，包括城市工人的工资增加计划、农村家庭收入支持计划、中小企业（特别是欠发达的服务业）资本渠道融通计划以及实惠的社会福利计划，这些手段将降低中国家庭极高的预防性储蓄水平。
China’s 12th Five-Year Plan, which will take effect in 2012, recognizes these policy imperatives and calls for several measures to fulfill them, including wage increases for urban workers; income support for rural households; enhanced access to capital for small businesses, especially in the underbuilt services sector; and more generous social-welfare programs, which would reduce Chinese households’ high levels of precautionary saving.