中国农村居民储蓄率的影响因素分析

发布时间：2018-10-20 20:25

【摘要】：本文使用2006年中国综合社会调查(CGSS2006)的微观数据,在综合考虑生命周期-持久收入假说和预防性储蓄理论的基础上,对中国农村居民储蓄率的影响因素进行了实证分析,主要得出以下结论:首先,持久收入、收入的不确定性与农村居民储蓄率之间存在显著的正相关关系,并且收入差距的上升将会导致农村居民储蓄率的明显上升;其次,农村居民储蓄率的生命周期特征并不明显,但在考虑了家庭的教育、医疗支出以后,储蓄率却表现出显著的"U型"生命周期特征,并且在45～49岁达到整个生命周期的最低点;第三,家庭的人口年龄构成对农村居民储蓄率具有显著的影响;第四,农村居民储蓄率与其财富水平之间存在负相关关系,并且户主的政治面貌、文化程度、性别对农村居民储蓄率也产生了一定的影响。
[Abstract]:Based on the microcosmic data of China Comprehensive Social Survey (CGSS2006) in 2006, and on the basis of considering the life-cycle durable income hypothesis and the precautionary saving theory, this paper makes an empirical analysis of the factors affecting the savings rate of rural residents in China. The main conclusions are as follows: first, there is a significant positive correlation between the uncertainty of persistent income and the savings rate of rural residents, and the increase of income gap will lead to a significant increase in the savings rate of rural residents. The life cycle characteristics of rural residents' savings rate are not obvious, but after considering family education and medical expenditure, the savings rate shows a significant "U-shaped" life-cycle feature, and reaches the lowest point of the whole life cycle at the age of 45 ~ 49 years. Third, the age composition of the household population has a significant impact on the savings rate of rural residents; fourth, there is a negative correlation between the savings rate of rural residents and their wealth level, and the political outlook and educational level of the head of household. Gender also has a certain impact on the savings rate of rural residents.
【作者单位】：南京大学经济学院;南京农业大学公共管理学院;
【基金】：国家社会科学基金重大招标项目“贯彻落实科学发展观与加快转变经济发展方式研究”(编号:07&ZD009);国家社会科学基金资助的"中国综合社会调查(CGSS)"项目国家自然科学基金项目“增强自主创新能力提升经济增长质量研究”(编号:71073076)资助
【分类号】：F832.22

【参考文献】