本文選題：居民儲(chǔ)蓄 + 利率��； 參考：《金融與經(jīng)濟(jì)》2014年12期

【摘要】：到底我國(guó)利率對(duì)居民儲(chǔ)蓄的影響如何?本文采用居民一年期儲(chǔ)蓄增加額、年均收入水平、一年期存款基準(zhǔn)利率數(shù)據(jù),對(duì)傳統(tǒng)貨幣需求模型進(jìn)行調(diào)整,運(yùn)用J ohansen協(xié)整檢驗(yàn)方法對(duì)儲(chǔ)蓄與名義利率、實(shí)際利率之間的關(guān)系進(jìn)行實(shí)證分析,并運(yùn)用時(shí)差相關(guān)系數(shù)分析法對(duì)儲(chǔ)蓄與利率之間的滯后關(guān)系進(jìn)行分析,結(jié)果表明:在短期,名義利率對(duì)儲(chǔ)蓄具有正向影響且存在顯著的滯后一期效應(yīng),但實(shí)際利率對(duì)儲(chǔ)蓄沒(méi)有顯著影響。最后,根據(jù)實(shí)證分析結(jié)果提出了一些建議。
[Abstract]:What is the impact of interest rate on residents' savings? This paper adopts the annual average income and the annual average income of the residents to adjust the traditional money demand model, and applies J ohansen cointegration test method to the savings and nominal interest rates. The relationship between real interest rates is empirically analyzed, and the lag relationship between savings and interest rates is analyzed by means of time-difference correlation coefficient analysis. The results show that: in the short term, The nominal interest rate has a positive effect on savings and has a significant lag effect, but the real interest rate has no significant effect on savings. Finally, some suggestions are put forward according to the results of empirical analysis.
【分類(lèi)號(hào)】：F126.1;F822.0
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本文編號(hào)：1864271