收入差距对居民储蓄投资的影响

Influence of the Income Gap to People's Saving and Investment

利用1988—2005年的统计数据,将武汉市城镇居民收入划分为高、中、低3个层次,建立了以收入、投资、消费为变量的储蓄函数,分别考查了不同变量对同一收入层储蓄的影响,同一变量对不同收入层储蓄的影响,得出对于低收入居民,收入是影响其储蓄最重要的变量,而对于高收入居民,投资是影响储蓄最重要的变量的结论。并从这些影响得出的社会现象入手,对营造小康社会,和谐社会进行理论探讨。

This paper makes use of related data during 1988-2005, divides all resident into three groups： low income, mid-income and high income, based on the whole examination result of unit root test, Granger causality the relation examines and Johansen cointegration approach etc. Then the author analysis main factors affected Chinese urban resident＇ s deposit and use variables such as consumption, income and investment to set up a model to examine the characteristic of urban resident＇ s saving. The research result shows that the effects between the variables vary from low income group to high income, which also leads to the different consumption-saving Theory among them. And some suggestions are put forward on how to build a Comfortably-off Society and Harmonious Society.