摘要居民储蓄的持续增长已经成为我国的重要经济现象之一，河南省也不例外。居民储蓄和许多经济指标之间存在着密切联系。本文以河南省居民储蓄为研究对象，对影响河南省居民储蓄的各种因素进行实证考察。论文首先对有关先行研究进行了归纳、综述。接着对居民储蓄的有关范畴以及河南省居民储蓄的现状进行了分析。然后，采用多元线性回归分析的方法，对影响河南省居民储蓄的因素进行了实证分析，并分析了其实际经济意义。最后，结合河南省的现状和实证分析结果，提出了应当从增加居民可支配收入、控制贫富差距、增加投资渠道、完善社会保障制度、控制物价水平以及加大对农村地区的财政支持等角度入手来化解高储蓄问题。65868

毕业论文关键词  居民储蓄；影响因素；实证分析

       毕 业 论 文 外 文 摘 要

Title    A residents savings’ influencing factors empirical analysis of Henan province                                                

Abstract

The continuing growth of residents savings has become one of the important economic phenomenon in China, Henan province is no exception.Household savings is close contacted with many economic indicators. Based on household savings in Henan province as the research object, this paper analyzes empirically the influencing factors of residents savings in Henan province. First,the relevant prior studies were summarized in the paper. Then the category of household savings and the status quo of residents savings in Henan province are analyzed. Then, this article adopts the method of multivariate linear regression analysis to carry on the regression analysis on the influencing factors of residents savings in Henan province, and analyzes the real economic significance. Finally, combining the present situation of Henan province with the empirical analysis result,this article proposes to solve the problem of converting savings to consumption from the following aspects: increasing disposable income, controlling the gap between rich and poor, increasing investment channels, perfecting social security system, to control the price level, and increase financial support for rural areas, etc.

Keywords  Household savings; Influencing factors; Linear regression analysis

目   次

1 绪论 1

1.1 研究背景及意义 1

1.1.1　研究背景 1

1.1.2  研究意义 1

1.2 文献回顾 1

1.3 研究内容及研究方法 2

1.4 本文结构 3

2 居民储蓄的定义及其影响因素 4

2.1 储蓄的定义及其分类 4

2.2影响居民储蓄的主要因素 4

3河南省居民储蓄概况 6

3.1河南省经济概况 6

3.2河南省城乡居民储蓄年底余额及储蓄率 6

3.3 河南省储蓄率高的多重原因 7

4 河南省居民储蓄影响因素的实证分析 8

4.1 模型构建及数据来源 8

4.2 参数估计和检验