论文部分内容阅读
“三期叠加”背景下我国经济增长进入了提质增效的换挡期,储蓄率过高而引致消费需求不足已经成为我国经济发展瓶颈。本文实证分析了我国城镇居民储蓄的主要影响因素,结果表明,我国居民储蓄总体规模依然较大、且发展快;城镇居民人均可支配收入、国民生产总值和存款实际利率对我国城镇居民储蓄呈正相关;A股筹资额、城镇居民恩格尔系数与中国城镇居民储蓄呈负相关。
Under the background of “three superpositions,” China’s economic growth has entered the shift period of upgrading and enhancing efficiency. The excessively high savings rate, which has caused the lack of consumer demand, has become a bottleneck in China’s economic development. This paper empirically analyzes the main factors affecting the savings of urban residents in our country. The results show that the overall size of the residents’ savings in our country is still large and developing rapidly. The per capita disposable income, GNP and the real interest rate of deposits of urban residents are positive for the savings of urban residents Related; A share financing amount, Engel coefficient of urban residents and urban residents in China is negatively correlated with savings.