我国居民储蓄行为实证研究

改革开放以来，我国经济快速发展，人民生活水平不断提高，近年来居民储蓄持续增长，正确分析居民储蓄过快增长的利弊有利于国家宏观调控，促进经济发展。在分析影响居民储蓄函数的主要经济变量的基础上,利用多元回归模型，对近年来我国居民储蓄行为进行了实证研究，并对如何控制居民储蓄适当规模、促进经济增长提出了对策建议，诸如：国家应该保持经济的持续均衡发展、慎重调整存款利率、建立健全社会保障制度、建立和完善消费信贷制度等。

An empirical study on saving behavior of Chinese residents

Since reforming and opening up, Chinese economy has developed quickly, and people's living standard has improved continuously. Accordingly, the residents' savings have been increasing in recent years.In such case,to analyze the advantages and disadvantages of high speed increase of the residents' savings is helpful to macroeconomic adjustment and regulation and to promoting economic development in our country. On the basis of analyzing main economic variables that influence the residents' savings function, a study is made on saving behavior of Chinese residents in recent years by using multi regressive model of econometrics.And some suggestions are put forward on how to control suitable scale of the residents' savings to promote economic growth, such as keeping sustained and stable growth of the national economy, regulating deposit rate prudently, establishing and improving social security system and consumption credit system, etc..