本文選題：居民儲蓄 + 利率��； 參考：《金融與經濟》2014年12期

【摘要】：到底我國利率對居民儲蓄的影響如何?本文采用居民一年期儲蓄增加額、年均收入水平、一年期存款基準利率數據,對傳統(tǒng)貨幣需求模型進行調整,運用J ohansen協整檢驗方法對儲蓄與名義利率、實際利率之間的關系進行實證分析,并運用時差相關系數分析法對儲蓄與利率之間的滯后關系進行分析,結果表明:在短期,名義利率對儲蓄具有正向影響且存在顯著的滯后一期效應,但實際利率對儲蓄沒有顯著影響。最后,根據實證分析結果提出了一些建議。
[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.
【分類號】：F126.1;F822.0
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本文編號：1864271