摘要
2008年金融危机以来,在出口市场不景气的背景下,鼓励居民减少储蓄大胆消费成了国家一项重要的政策。我国政府采取了利率政策,希望通过调整存贷款利率变化来影响居民的储蓄和消费行为,结果却不令人满意。为进一步分析影响我国居民储蓄的各种因素并确定各因素影响的程度,本文在定性分析的基础上,研究相关理论,利用1981年以来我国部分统计指标进行多元回归分析,建立起了我国居民储蓄的模型,得出了影响居民储蓄的主要因素并量化了各因素对居民储蓄的影响程度,其结果可为相关政策的制定提供依据。
Since the financial crisis in 2008,under the background of downturn in export market,in order to solve the problem of turning the savings to consumption,encouraging residents to save less and consume more has become an important national policy. Our government used the interest rate policy to resolve the problem of transformation from savings to the consumption,hoping to influence people's consumption and saving behavior by adjusting the level of interest rates. But the result is not satisfactory. For further analysis of the impact of the influencing factors of China's household savings,in this paper,on the basis of qualitative analysis,we made a multiple regression analysis using parts of the statistical indicators from 1981 of China,to quantify the impact of each factors on the household savings. The results could provide the basis for the formulation of relevant policies.
出处
《内蒙古财经大学学报》
2014年第3期1-7,共7页
Journal of Inner Mongolia University of Finance and Economics
关键词
居民储蓄
影响因素
多元回归
实证分析
household savings
influencing factors
multiple regression
empirical analysis
