银行存款余额影响因素实证分析

Empirical Analysis of Factors Affecting Bank Balance

近年来伴随着国民经济的快速发展,居民收入在不断提高,居民储蓄水平也在不断升高,一个国家的储蓄水平不仅会影响金融市场货币的流动性,而且会通过影响投资进一步对经济发展造成影响。因此分析影响银行存款余额的因素已经显得越来越重要。本文主要从影响银行存款余额的居民可支配收入水平、居民消费价格指数、银行存款利率、国民总收入和自有住房消费价格指数几方面,运用Eviews软件对这几方面进行实证分析,进而确定这些因素的关联性。

In recent years,along with the rapid development of the national economy,the income of residents has been continuously increasing,and the level of household savings is also rising.The level of savings in a country will not only affect the liquidity of financial market currencies,but will further affect the economy development by influencing investment.Therefore,it is increasingly important to analyze the factors affecting the balance of bank deposits.This paper mainly uses Eviews software to empirically analyze these aspects from the aspects of disposable income level,consumer price index,bank deposit interest rate,gross national income and self-owned housing price index,which affect the bank deposit balance and then determine the relevance of these factors.