摘要
我国城镇家庭储蓄存款结构对利率变动的敏感性比农村家庭强 ;城镇家庭偏好活期存款 ,而农村家庭更偏好定期存款 ;2 0世纪 90年代以后 ,我国储蓄存款的稳定性在不断减弱 ;家庭储蓄需求变动对银行产品供给没有诱导作用。因此 ,我国应鼓励产品创新 ,改变银行存款产品构成要素单一的现状 ,并减少家庭储蓄对银行储蓄存款的过度依赖。
The sensibility of household savings structure in urban areas over the changing of interest rate is stronger than that in rural areas. The urban households prefer current savings while rural households prefer fixed savings. Since 1990's the stability of savings deposit has been lessening. Household savings demand changes play no role of inducing over banking product supply. So, it's necessary to encourage product innovation to change current situation of too single deposit product components of banks and to reduce the over-reliance of household savings over banking deposit.
出处
《河南金融管理干部学院学报》
北大核心
2003年第5期25-28,共4页
Journal of Henan College of Financial Management Cadres
