储蓄动机

中国居民储蓄动机和运用流向分析

Analysis on Chinese Household Savings Behavior and Application Flow Direction

西北城市居民储蓄动机研究

Study on Saving Motives of Northwest Urban Residents

由于没有当地户口、无法享受公共服务，农民工有着更大的储蓄动机。

Without formal residency rights to public services , migrants have more incentive to save .

经济发达地区城镇居民预防性储蓄动机研究&基于微观数据的实证分析

Study for Precautionary Savings Motive of Urban Residents in the Developed Areas & The Empirical Study Based on Micro-data

最后对预防性储蓄动机强度呈现出的地区差异进行比较分析。

Next the difference of the strength of precautionary savings motive exhibited among areas are compared and analyzed . Final part is the conclusion .

在调查的基础上，通过计量分析，探究了西北城市居民储蓄动机的因素构成，解释了其影响因素。

Based on the investigation and through calculation analysis , this essay explores the factors structure of the northwest urban residents ' saving motives , and explains the reasons .

第六部分是根据四和五部分得出的检验结果，分析影响海南省农村居民的预防性储蓄动机强度的主要因素。

According to the results of the fourth and fifth parts , the sixth part analyzes main factors which influence rural inhabitants ' preventative savings motivation strength in Hainan province .

由于受经济因素、社会因素和心理因素的影响，使居民储蓄动机增强，在储蓄形式上则以存款储蓄为主。

The motivations of the inhabitants ' savings are enhanced because of economical , social and psychological factors and the inhabitants ' savings are mainly in the form of bank savings .

接着选取《中国物价及城镇居民家庭收支调查统计年鉴》的数据对城镇不同收入阶层居民家庭的预防性储蓄动机强度进行了检验。

Then the correlative data in China Price and Urban Residents household Income and Expenses Investigation Statistical Yearbook is used to estimate the precautionary saving motivation intensity in Chinese urban resident household of various income levers .

文章利用1978~2003年样本数据通过消费函数的变参数空间状态模型研究了经济转型期中国农村居民超敏感度消费行为，实证研究结果表明，农户存在着显著的预防性储蓄动机。

The paper studies the oversensitive consumption behaviors of Chinese rural people based on the state space model using the sample during ( 1978 ~ 2003 . ) The results show that there exists obvious motivation of precautionary saving .

在实证分析中，本文通过用教育支出为工具变量度量风险，首先选取《中国统计年鉴》的相关数据对我国城镇居民家庭和农村居民家庭的预防性储蓄动机强度进行了检验；

In the section of empirical analysis , the paper takes educational expenditure as instrumental variable ( IV ) to measure the risk , uses the correlative data in China Statistical Yearbook firstly to estimate the precautionary saving motivation intensity in Chinese urban resident household and rural residents household .

在此基础上，应用不确定性下的消费模型，利用我国的数据，得出的实证结果表明我国城镇居民储蓄性动机很强。

On basis of above analysis , I apply the consumption model under uncertainty with the use of Chinese data , to reveal that Chinese urban residents have strong precautionary motive empirically .

分析和讨论了中国居民储蓄存款的增长情况、储蓄动机、原因和一般行为特征，储蓄存款运用流向及实例调查研究。

The increase of deposits from residents , the motive and reason of household savings , the general behavior feature of Chinese household savings , application flow of household savings and some cases study have been analyzed and discussed .

着重分析了社会保障制度对储蓄的收入效应和福利效应，结合居民储蓄动机、收入状况阐述社会保障制度对储蓄影响的途径机制。

This chapter analyzes the income effect and welfares effect from social security on the saving , and expatiates on the approaches how the social security can affects the saving combining with the saving motivation and income status .

中国居民储蓄的超常增长近年来成为一个被普遍关注的问题，而居民储蓄动机更是成为人们关注的焦点。一个普遍的看法是，预防性储蓄动机在中国居民储蓄决策中起重要作用。

The high growth rate of household saving in China and the motive of Chinese household saving have attracted great attention of academic community as well as policy-maker recently .

本文借鉴西方预防性储蓄理论，结合上海城市化率很高这一特点，分析预防性储蓄动机收入和支出两种不确定性对上海城市居民消费行为的影响。

The research of this paper is based on the theories of the precautionary savings . Considering the high urbanization of Shanghai , We attempt to find the influence income uncertainty and expenditure uncertainty brings to shanghai residents respectively .

指出了在研究利率与储蓄之间的关系时将储蓄进行分类的重要性，并根据人们进行储蓄的动机和对利率的敏感性不同，将储蓄分为获利性储蓄与非获利性储蓄两大类。

The significance of classifying in researching the relationship between interest rate and savings is put forward , and the savings is classified to two kinds by the motive of saving and the sensitivity to interest rate , that is " gained-motive savings " and " no gained-motive savings " .

本章通过问卷调查分析方法，分析中国城镇居民高储蓄水平的原因，分析中国城镇居民在现有经济社会发展状况下特有的储蓄动机。

Through questionnaire , we analyze the reasons of the high saving level of Chinese residents , as well as the special saving motivations under the current economic development .

据此，本文研究居民储蓄，主要分析六个方面的问题：一是在国外储蓄理论的基础上，分析我国居民的储蓄动机；

According to this theory , this article is to study the household savings , and to analyse 6 factors as follows :( 1 ) upon the base of foreign savings theory , to analyse the motives of high savings rate of Chinese residents ;