我国居民储蓄的影响因素分析

Influential Factors Analysis of Chinese Residents Deposits

本文对2001年2月-2008年2月期间我国居民储蓄存款的变化及其影响因素进行了分析。首先应用线性回归模型分析各个影响因素的显著性和模型的合理性,然后通过建立函数系数回归模型细致的刻画了影响储蓄的各个因素与储蓄额之间随着时间变化的动态关系。最后针对每个影响因素提出相应的政策建议。

In this paper,we analyses Chinese resident deposits and their influential factors during the February of 2001 to the February of 2008.At first,we studied each influential factor of the deposits by linear regression models and found the prominence of the model.Then by creating functional coefficient regression model,we depicted the relation between resident deposits and each influential factor.At last, some proposals about policy were tabled in allusion to each influential factor.