摘要
以湖南省居民储蓄为样本,定性和定量分析影响湖南省居民储蓄的主要因素,从而给出稳定居民储蓄的合理建议。通过利用最小二乘法线性回归模型,得出城镇居民可支配收入、总抚养比与居民储蓄成负相关,通货膨胀率、农村居民可支配收入与居民储蓄成正相关,而利率与居民储蓄无显著相关性。这说明降低利率并不是控制居民储蓄行之有效的方法,而完善农村居民社会保障制度和规范金融证券市场才能有效地稳定居民储蓄率。
Taking the household savings in Hunan Province as a sample,the main factors affecting the household savings in Hunan Province are analyzed qualitatively and quantitatively,and reasonable suggestions for stabilizing household savings are given. Using the ordinary least square linear regression model,it is concluded that the disposable income of urban residents and total dependency ratio are negatively correlated with household savings,inflation rate and the disposable income of rural residents are positively correlated with household savings,and the interest rate is not significantly correlated with household savings. This shows that lowering the interest rate is not an effective way to control household savings,and the household savings rate can be effectively stabilized by improving the rural residents′ social security system and standardizing the financial securities market.
作者
周建明
胡晓莉
ZHOU Jianming;HU Xiaoli(School of Artificial Intelligence,Jianghan University,Wuhan 430056,Hubei,China;School of Business,Jianghan University,Wuhan 430056,Hubei,China)
出处
《江汉大学学报（自然科学版）》
2021年第1期17-22,共6页
Journal of Jianghan University：Natural Science Edition
基金
国家自然科学基金资助项目(11501251)。
关键词
居民储蓄
居民收入
通货膨胀率
总抚养比
利率
实证分析
household savings
residence income
rate of inflation
total dependency ratio
interest rate
empirical analysis
