我国银行储蓄的影响因素研究——收入差距造成的储蓄效应分析

Research on the Influence Factors of Household Saving——Analysis of Saving Effect Caused by the Income Gap

通过多元回归和虚拟变量模型对全国以及城镇和农村的情况进行分析,并分别对东中西部建立面板模型,分区域寻找银行储蓄的影响因素,分析了各个因素特别是收入差距的影响程度。模型显示收入水平是影响我国居民储蓄水平的主要因素,收入差距对居民储蓄的影响并不固定,对不同的地区有不同的影响,利率对储蓄的影响在农村和中西部地区并不显著。

This paper employs the multivariate regression and dummy variables model to analyze the situation of the entire country and the urban and rural areas;uses Panel Data Model to analyze the eastern,the central and the western.Finally I find the influence factors,then analyze the degree of influence,specially explore the influence of the income gap.Models show that the income level of residents is the main factor,the influence of the income gap is not fixed,for different areas have different effects,and the influence of interest rates is not significant in rural and the western and the central.