CAJ | 학술논문

本文旨在研究影响我国居民储蓄存款的主要因素，并建立适当的统计模型。经分析，本文认为影响我国居民储蓄存款最主要的有三个因素：居民总的可支配收入、存款利率、通货膨胀率。通过多元统计与计量经济学的方法，本文建立了一个较好的回归模型，分别得到了我国居民储蓄增量的收入弹性、利率弹性和通货膨胀率弹性。根据因素变动的空间大小，得出可支配收入是对居民储蓄最重要的影响，其次是通货膨胀率，最后为利率。最后，本文还根据结论提出了一些合理的政策建议。
본문지재연구영향아국거민저축존관적주요인소，병건립괄당적통계모형。경분석，본문인위영향아국거민저축존관최주요적유삼개인소：거민총적가지배수입、존관리솔、통화팽창솔。통과다원통계여계량경제학적방법，본문건립료일개교호적회귀모형，분별득도료아국거민저축증량적수입탄성、리솔탄성화통화팽창솔탄성。근거인소변동적공간대소，득출가지배수입시대거민저축최중요적영향，기차시통화팽창솔，최후위리솔。최후，본문환근거결론제출료일사합리적정책건의。
This paper aims to study the main factors affecting savings deposits of residents,and to establish appropriate statistical models. After analysis,the paper argues that there are three main factors:disposable income,interest rates and inflation rates. By multivariate statistical and econometric methods,this paper established a good regression model was obtained increment of income elasticity of household savings,in-terest rates elasticity and inflation elasticity. According to the spatial size of the change in factors that come in disposable income is the most important influence on household savings,followed by the inflation rate,the final interest rate. Finally,this paper also puts forward some reasonable conclusions based on pol-icy recommendations.