储蓄利率和居民储蓄关系的实证研究

An Empirical Study of Relationship Between the Deposit Rate and Household Savings

利率变动对居民储蓄的影响程度要用利率弹性来分析,居民储蓄是否与利率高度相关,这要求我们必须对利率弹性做深入的分析,以便充分发挥利率的调节作用。本文以中国金融统计年鉴中搜集相关具体数据为基础,通过方差分析、线性回归模型的方法研究利率的变动对居民储蓄行为的影响,借助于EViews进行数据拟合,建立方程,通过实证分析对模型进行诊断检验,绘制图形等。最后,进行显著性检验,总结并提出相应解决方法。

The influence of rate changes on household savings can be analyzed with interest rate elasticity. We should analyze rate elasticity carefully so as to fully play role of rate adjustment. Based on the relevant data collected from Chinese finance statistic yearbook, with the methods of variance analysis and linear regression model, this paper analyzes the influence of rate changes on household savings behavior. This research applies Eviews to undertake data fitting, establish equation to examine the model with empirical analysis and drawing graph etc. In the end, this paper carries out a signicance test,summerizes and puts forward relevant solution.