中文：

可支配收入是指居民可以用来自由支配的收入，包括工资性收入、经营净收入、财产净收入和转移净收入等。它是衡量居民收入水平的一个重要指标，也是影响消费水平和消费结构的重要因素。

消费是指人们为了满足生存和发展的需要而消耗物质财富的过程。消费分为生存资料消费、发展资料消费和享受资料消费等。其中，生存资料消费是满足人们基本生活需要的消费，如食品、衣物、住房等；发展资料消费是满足人们发展需求的消费，如教育、医疗、娱乐等；享受资料消费是满足人们享受需求的消费，如旅游、保健、奢侈品等。

可支配收入和消费之间有着密切的关系。当居民的可支配收入增加时，他们的消费需求也会相应增加。而当可支配收入减少时，消费水平也会随之下降。因此，可支配收入的水平和结构对消费水平和结构有着重要的影响。

随着经济的发展和人民生活水平的提高，我国居民的可支配收入和消费水平也在不断提高。然而，由于地区间经济发展不平衡等原因，不同地区间居民的可支配收入和消费水平也存在较大的差异。因此，政府应采取措施缩小地区间收入差距，提高低收入群体的可支配收入水平，以促进全国范围内居民消费水平的提高和经济的持续发展。

英文：

Disposable income refers to the income that residents can freely dispose of, including wage income, net business income, net property income, and net transfer income. It is an important indicator to measure the level of residents' income and an important factor affecting consumption level and consumption structure.

Consumption refers to the process of people consuming material wealth to meet the needs of survival and development. Consumption is divided into survival consumption, development consumption, and enjoyment consumption. Among them, survival consumption is to meet the basic life needs of people, such as food, clothing, housing, etc.; development consumption is to meet people's development needs, such as education, medical care, entertainment, etc.; enjoyment consumption is to meet people's enjoyment needs, such as tourism, health care, luxury goods, etc.

Disposable income and consumption are closely related. When residents' disposable income increases, their consumption demand will also increase accordingly. And when disposable income decreases, the consumption level will also decline. Therefore, the level and structure of disposable income have an important impact on the level and structure of consumption.

With the development of the economy and the improvement of people's living standards, the disposable income and consumption level of Chinese residents are also constantly increasing. However, due to factors such as uneven economic development among regions, there are also significant differences in the disposable income and consumption levels of residents in different regions. Therefore, the government should take measures to narrow the income gap among regions, increase the disposable income level of low-income groups, and promote the improvement of residents' consumption levels and sustained economic development nationwide.