摘要
本文用中国城镇居民1980-2007年的数据,检验了影响居民储蓄行为的三类动机,即生命周期动机、遗赠动机和预防性动机。结果发现这三类储蓄动机都对中国城镇居民的储蓄行为产生影响,其中生命周期储蓄动机是解释中国居民高储蓄率的重要原因,但收入分配差距扩大导致整个社会的遗赠储蓄增加,引起总消费不振。此外,由于居民面临的不确定性增加,中国城镇居民的预防性储蓄动机也随之提高。
Using China＇ s urban residents data from 1980 to 2007, this paper test three kinds of savings motives affecting the residents＇ behavior, namely the life - cycle motive, bequest motive and prudence motive. The results found that all of these motives affect saving behaviors of urban residents in china. The life - cycle motive is an important reasons to explain Chinese residents＇ high savings rates, and income distribution disparities lead to society＇ s bequest motive increased as a whole, causing the consumption slump. In addition, as the residents face increased uncertainty, China＇ s urban residents strengthen their precautionary savings motive.
出处
《经济评论》
CSSCI
北大核心
2010年第1期58-64,共7页
Economic Review
