摘要
考察2009~2011年我国银行理财消费市场发展的现状并利用经验数据对影响其发展的主要原因进行了实证分析,研究表明:我国银行理财消费规模与股票市场收益率不存在显著关系,但居民可支配收入、物价水平都对银行理财市场的发展发挥了重要作用。此外,我国银行理财消费市场的发展还受到国家宏观经济政策的影响,尤其是当提高存款准备金率导致银行资金面紧张时,商业银行则通过提高收益率来刺激人们的理财消费需求。
The 2009~2011 development status of the financing products market of Chinese banks has been examined,and using empirical data the main reasons that affect its development has been analyzed too.The study showed that: there is no significant relationship between the scales of bank financing consumption with the return rates of stock market,but the residents' disposable income,the price level have played important roles in the development of bank financing market.In addition,the financial products market of Chinese banks is also influenced by the macroeconomic policy,especially when the deposit reserve ratio is raised to some extent,commercial banks will increase the return rate to stimulate the financial products consumption.
出处
《财经理论与实践》
CSSCI
北大核心
2012年第6期53-56,共4页
The Theory and Practice of Finance and Economics
关键词
理财消费
宏观调控
市场收益
Financial consumption
Macroeconomic control
Market gains