我国居民金融资产结构变化研究

发布时间：2018-03-10 01:31

本文选题：普惠金融　切入点：金融资产结构　出处：《企业导报》2015年15期 　论文类型：期刊论文

【摘要】：本文通过分析我国的资金流量表(金融交易部分)与宏观经济的内在联系,探究了我国居民金融资产结构的变化与宏观经济之间的关系。通过数据分析,本文选定GDP、失业率、CPI、PPI、社会住宅投资、进出口差额、城镇居民家庭人均可支配收入、居民消费水平八个指标对宏观经济水平进行量化。通过主成分分析法,本文将八个指标合并为居民生活水平、市场景气程度两个因子。我国居民金融资产的结构主要通过通货、储蓄、证券、保险准备金的年度总额来反映。本文通过线性回归模型发现:通货及储蓄主要受到居民生活水平的影响,而保险准备金的数额既取决于居民生活水平,也取决于市场景气程度。而由于证券市场过于复杂,难以得出其与宏观经济之间的显著联系。
[Abstract]:This paper explores the relationship between the changes in the structure of Chinese residents' financial assets and the macro-economy through the analysis of the internal relationship between the financial flow statement (financial transaction part) and the macro-economy in China. In this paper, we choose the following eight indexes: GDP, unemployment rate, CPI PPI, social housing investment, import and export difference, per capita disposable income of urban households, consumption level of residents to quantify the macroeconomic level. In this paper, the eight indicators are combined into two factors, the standard of living of the residents and the prosperity of the market. The structure of the financial assets of the residents of our country is mainly through currency, savings, securities, The annual total amount of the insurance reserve is reflected by the linear regression model. This paper finds that currency and savings are mainly affected by the standard of living of the residents, and the amount of the insurance reserve depends on the standard of living of the residents. It also depends on how well the market is doing. And because the securities market is too complex, it is difficult to draw a significant link with the macro economy.
【作者单位】：中南财经政法大学统计与数学学院;
【分类号】：F832

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