摘要
本文在分析IrvingFisher跨时消费理论的基础上 ,通过对我国居民储蓄水平进行的逐步回归分析 ,探讨了影响城乡居民储蓄水平各种因素的显著水平及贡献度 ,得出了收入具有显著正效应、名义利率具有微弱负效应、实际利率具有微弱正效应等结论。本文的政策含义是 :不宜采用利率政策促进储蓄向消费的转化。
Basing on Irving Fisher’s inter-temporal consumption theory, we analyze the significant level and contribution of factors affecting the urban and rural resident savings with the method of step-by-step regression. The result shows that incomings have remarkable positive effect on resident savings while nominal interest rate just has very weak negative effect on resident savings and real interest rate has very weak positive effect on resident savings. So the policy implication of this paper is that we should not adopt interest rate policy to transform savings into consumption.
出处
《南昌航空工业学院学报（社会科学版）》
2004年第2期15-20,共6页
Journal of Nanchang Institute of Aeronautical Technology(Social Science)
关键词
居民储蓄
名义利率
实际利率
收入
Resident savings
Nominal interest rate
Real interest rate
Incomings
