人民银行储户调查样本分布评估及偏态改善研究

A Study on the Sample Distribution of the Urban and Rural Residents Savings Survey and the Suggestion of Skewness Improvement

人民银行于1993年正式建立了城乡居民储蓄问卷调查制度,通过了解城镇居民储蓄、消费、投资及通货膨胀预期等信息,为货币政策与宏观调控提供决策依据。但近年随着我国自动存取款设备、电话银行、网上银行的日益普及,进入银行网点的储户存在年龄结构偏大、文化水平偏低等特点,样本分布呈现偏态,影响调查效果。为提高储户调查结果的有效性,本文从抽样调查的角度,以库尔勒市为例,选取样本单位的年龄、家庭月收入以及受教育程度,对库尔勒储户调查样本分布情况进行评估,提出偏态改善建议。

People's Bank of China has established the urban and rural residents savings survey system in 1993.Through investigating of urban residents savings,consumption,investment,and the information such as inflation expectations,it provide decision-making basis for monetary policy and macroeconomic regulation and control.But in recent years,along with our country automatically different equipment,telephone banking,the rising popularity of online banking and enter the depositors of the bank branch age is large,the cultural level is low,which result in skewness in sample distribution that affect the survey results.In order to improve the customer the validity of the results of the survey,in this article we take the depositors in korla for example,selecting sample age,family income,and level of education as three characteristics,to evaluate korla depositors sample distribution,putting forward skewness improvement suggestions.