结合我国现阶段的实际情况,本文对我国居民储蓄的影响因素进行了实证研究,发现变量之间存在协整关系,得出城镇登记失业率、社会人口抚养比、居民可支配收入对我国居民储蓄具有显著影响,且是一种比较稳定的关系,社会人口抚养比中老年抚养比的影响更大。 Combined with the actual situation in our country at present, this paper conducts an empirical study on the influential factors of household savings in our country. We find that there exists cointegration relationship among the variables, and concludes that urban registered unemployment rate, social population dependency ratio and resident disposable income have significant impact on the savings of Chinese residents Has a significant impact, and is a relatively stable relationship, social dependency ratio more influential than the dependency ratio of the elderly.