论文部分内容阅读
消费与收入是消费经济学经典的研究主题,收入组成的不断丰富为消费提供条件的同时也形成了约束。本文基于当前内涵被不断深化的消费流动性需求,探索了“消费—信贷”之间从微观机理到宏观经济影响的研究机制。研究发现,城市居民消费增速增量对储蓄额增速增量、资本积累增速增量的冲击都有一个相对明显的正向反应;利率变动的冲击则呈现出较大的波动特征,且在后期有明显的负向反应。这为当前城镇一体化发展趋势下,探讨因消费主体不同而存在的城乡居民消费结构差异与信贷的宏观经济问题提供了实证论据。
Consumption and income are the classic themes of consumer economics. The constant enrichment of incomes provides the conditions for consumption while also creating constraints. Based on the current deepening demand for consumption mobility, this paper explores the research mechanism of micro-mechanism to macroeconomic impact between “consumption-credit”. The study found that the increment of urban residents’ consumption growth has a relatively obvious positive response to the increase of the growth of deposit amount and the increment of capital accumulation; the impact of the change of interest rate shows a larger fluctuation character and In the latter part of a clear negative reaction. This provides empirical evidence for the current urban-rural integration trend of development, exploring the differences in consumption structure between urban and rural residents and the macroeconomic aspects of credit due to different consumer subjects.