我国商业银行存贷差扩大原因的实证分析

An Empirical Analysis of Why the Banks Deposit and Lending Spread Widened

选取城乡居民储蓄率等作为存贷差扩大影响因素的解释变量,运用单位根检验、协整检验和误差修正模型等统计方法对数据进行相应的分析,结果表明,所选解释变量对存贷差的扩大都存在长期影响关系。针对这些对存贷差扩大有影响的因素制定相应的货币政策和财政政策,为构建和谐社会提供一个坚实的资金保障系统。

Scholars on the causes of this problem have different views,through the collation of these theories.The ways for analysing are unit root test,co-integration test and ECM model.There are long-term impact on relations between independent and dependent variables.For these factors,government formulates the corresponding policies.It provides for the building of a harmonious society the financial security of a solid system.