城乡居民储蓄存款“春节效应”研究

我国的城乡居民储蓄存款具有季节性变动规律,准确分析和预测这种变动规律,对于国家的宏观经济调控和金融机构的经营管理具有重要意义。春节是对居民储蓄影响最大的一个传统节日,在季节变动的分析中具有重要作用,本文以"春节效应"为切入点,提供一种分析传统传统节日对居民储蓄影响的有效方法。

Urban and rural residents＇ deposits in China are changed seasonally, so it is important for macroeeonomie management and the financial institutions to analyze and forecast the changing trend. Residents＇ deposits are influenced greatly by Spring Festival, so we provide an efficient method to analyze the impacts of traditional festivals to the residents＇ deposits.