农民工储蓄与消费动因及效应实证分析

Empirical Study on the Saving and Consumption Motives of Rural Migrant Workers

农民工是我国城市建设的主力军,其储蓄和消费总量巨大,已成为市场经济中不可忽视的力量。在对成都市中小企业中的异地务工农民工问卷调查基础上,通过统计和探索性分析等方法,发现:(1)农民工的结余资金主要流向务工地储蓄和汇款回家,而汇款回家的主要意图又分别为赡养老人、子女教育、更新家庭用具和建新房;(2)对农民工储蓄水平影响最大的因素是收入、在本地工作的工龄和年龄,而收入和受教育程度是消费水平的最大影响因素。

With rural migrant workers in Chengdu City of Sichuan Province as the sample of this study, the authors investigate through questionnaire the effect factors of rural migrant workers such as income level, savings motive, and others, and analyzes the financial effects of the saving and consumption behavior of rural migrant workers. According to the results, the paper provides suggestions including the promotion of employment ability and improvement of banking services and public policies.