摘要
选取国内生产总值、利率、通货膨胀率、S&P股票指数等主要因素来探究中国具体储蓄行为的规律,发现居民储蓄余额与我国GDP的关系是正相关的,利率水平的变动与居民储蓄的变动存在着正相关的关系,通货膨胀率与居民储蓄水平是负相关的关系,S&P中国股票价格指数与居民的储蓄率是正相关的。因此,应改善居民个人收入的分配结构,完善金融市场,建立健全社会保障机制和社会福利制度,缩小贫富差距。
The authors explore the rules of Chinese residents5 savings behavior using key factors such as GDP, interest rate, inflation rate, S＆P stock index, etc. The results show that there are positive relations between Chinese residents5 savings balance and China^s GDP and also positive relations between the change of interest rate level and the change of Chinese residentsJ savings, while the inflation rate is negatively related to Chinese residents9 savings level, but positive relations can be seen between S＆P stock index and Chinese residents5 savings rate. Therefore, the authors suggest that China should improve the distribution structure of residents9 personal income, optimize financial market, establish and perfect social guarantee mechanism as well as social welfare system in order to narrow the gap between the rich and the poor.
作者
余新宏
陈晓晓
郭盼盼
陈楠
方红梅
付文静
叶爽
吴梦
王文俊
YU Xin-hong;CHEN Xiao-xiao;GUO Pan-pan;CHEN Nan;FANG Hong-mei;FU Wen-jing;YE Shuang;WU Maig;WANG Wen-jun(Economic and Technical College,Anhui Agricultural University,Hefei 230011,China)
基金
安徽省教育厅高校优秀青年人才支持计划项目(jxyq2017147)
国家级大学生创新创业训练计划项目(201713616001)
国家级大学生创新创业训练计划项目(201613616004)
安徽省大学生创新创业训练计划项目(201613616001)
关键词
居民储蓄
储蓄
异方差
多重共线性
residents5 savings
savings
heteroscedasticity （ARCH）
multicollinearity
