家庭结构、生产活动与农户储蓄行为

发布时间：2018-12-06 11:47

【摘要】：基于"2009花旗-北大中国农村金融调查"数据,本文利用GMM估计法,分析了我国农户储蓄行为的特征与成因。实证发现:第一,农户储蓄与储蓄率均随家庭收入增加而上升。第二,家庭结构的影响主要体现:儿童数及儿童-劳动力比对农户储蓄和储蓄率均有正向影响;家庭成员数对农户储蓄率有显著负影响,但对农户储蓄无显著影响;病人和老年人两个维度对农户储蓄和储蓄率均无显著影响,即没有很强的证据支持生命周期假说。第三,生产活动对农户储蓄有显著影响,但对农户储蓄率没有显著影响,体现在参与养殖业的农户更倾向于储蓄。第四,离最近金融机构的距离与农户储蓄负相关,对农户储蓄率没有显著影响;农户储蓄及储蓄率的相当一部分波动可由县际差异来解释;没有明显的证据表明流动性约束会强化预防性储蓄动机。
[Abstract]:Based on the data of "2009 Citi-Peking University China Rural Finance Survey", this paper analyzes the characteristics and causes of household savings behavior in China by using GMM estimation method. The empirical findings are as follows: first, the household savings and savings rates increase with the increase of household income. Secondly, the influence of family structure is mainly reflected: the number of children and the ratio of children to labor have a positive effect on the savings and savings rate of peasant households, the number of family members has a significant negative effect on the savings rate of farmers, but it has no significant effect on the savings rate of farmers. Both patient and elderly dimensions have no significant influence on household savings and savings rate, that is, there is no strong evidence to support the life-cycle hypothesis. Third, production activities have a significant impact on household savings, but have no significant impact on the savings rate of farmers, which is reflected in the farmers who are more inclined to save. Fourth, the distance from the nearest financial institution is negatively correlated with the household savings rate, but has no significant effect on the household savings rate, and a considerable part of the fluctuation of the rural household savings and savings rate can be explained by the inter-county differences. There is no clear evidence that liquidity constraints reinforce precautionary savings incentives.
【作者单位】：北京大学经济学院;北卡罗来纳州立大学经济系;
【分类号】：F832.22;F323.6;F224

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