摘要自1978年中国改革开放以来，中国经济快速增长，居民生活水平也不断提高，中国居民储蓄率也一直在高幅度的增长。但与此同时，也出现了许多问题。国内外有许多学者对中国居民储蓄影响因素进行了研究，无论是理论还是实证方面。由众多学者的研究成果可知，影响中国居民储蓄的主要因素为：居民可支配收入、利率、物价水平、收入分配、人口结构等。而影响居民储蓄行为的因素有很多，所以居民储蓄行为的决定是一个复杂的过程。文章对中国居民储蓄影响因素进行了理论和实证研究，本文选取影响中国居民储蓄的利率、人口结构、收入分配等因素进行分析，并从中选出影响大的几个因素进行实证分析，建立回归模型，结合本国实际情况，对储蓄问题提出一些建议。41877

毕业论文关键词  居民储蓄率 人口结构 收入分配  

Title：        The Determinants of Household Saving in China             

Abstract

Since 1978, China's reform and opening, China's rapid economic growth, the standard of living is also rising, Chinese household savings rate has been at a high level of growth. At the same time, there have been many problems. There are many domestic and foreign scholars on Savings Chinese residents factors were studied, both theoretical and empirical aspects. Many scholars from the research shows that the main factors affecting China's household savings are: disposable income, interest rates, price levels, income distribution and population structure. The factors that influence the behavior of household savings have a lot, so I decided household savings behavior is a complex process. Article on Chinese household savings factors were theoretical and empirical research, this paper selected a number of factors to analyze China's household savings, and from high-impact several factors selected for empirical analysis, regression model, combined with their actual situation, some suggestions savings issues.

Keywords  Household Savings Rate  Income Distribution  Structure of Population

目   次  

1 引言 1

1.1 研究的目的及意义 1

1.2 研究内容及方法 2

2 居民储蓄的概念及基本理论 4

2.1 储蓄与储蓄率的基本概念 4

2.2 居民储蓄的基本理论 4

2.3 国内外研究综述 6

3 中国居民储蓄存在的问题 9

3.1 我国居民储蓄率过高 9

3.2 不同收入阶层之间分布不均 11

3.3 不同年龄段之间分布不均 12

4 中国居民储蓄影响因素 15

4.1 主要影响因素 15

4.2 其他影响因素 16

5 中国居民储蓄影响因素实证分析 18

5.1 变量选取 18

5.2 构建模型 18

5.3 实证分析 19

结论 25

致谢 27

参考文献 28

引言

1.1 研究的目的及意义