我国高储蓄率决定因子的实证分析

依据西方储蓄理论的研究成果,针对目前我国经济运行中所表现的高储蓄率现象建立了其计量模型,通过回归检验对高储蓄率的决定因子进行了实证分析,结果表明造成我国经济高储蓄率的主要原因是国民收入增长、居民医疗、住房及教育3大支出的增加以及社保水平偏低和老年依赖系数上升等因素,针对以上实证分析的结论给出了相应的政策建议.

THE DEMONSTRATIVE ANALYSIS TO THE HIGH SAVINGS RATIO OF OUR COUNTRY

The thesis built the economic model to analyze the cause of high deposit rate according to classical west deposit theory and our country economy reality.Then it obtains that the growing national income,the three inhabitant expenditure such as medical service,housing and education.The low society guarantees level and the rising old age dependent coefficient are the main reasons that result in the high deposit rate of our country economy.Finally,in view of the main factors bringing about the deposit problem,the thesis put forward the practical policy to resolve it.