基于Dynan模型的农村居民预防性储蓄动机研究——以河南为例

Dynan Model based on Precautionary Saving Motive of Rural Residents——Case of Henan Province

居民未来收入和支出的不确定性是导致近年来居民消费低迷、储蓄过多的重要原因。本文运用Dynan预防性储蓄模型对河南省农村居民的预防性储蓄动机进行实证分析,结果表明河南省农村居民存在较强的预防性储蓄动机。在此基础上,对河南省农村居民预防性储蓄动机产生的原因进行了深入分析,并提出了相应的对策建议。

The future residents of the uncertainty of income and expenditure in recent years, leading to sluggish consumption, savings, too many important reasons. In this paper, Dynan precautionary savings model residents of Henan Province Rural empirical analysis of precautionary savings motive, found that rural residents in Henan Province, there is a strong precautionary saving motives, and analyzes the causes of precautionary saving motives, puts forward corresponding response.