The Factor Analysis Of Household Savings In Our Country

Household savings is one of the key part of national savings, it's also one of the stable part among M2 of national macro-control. The rapid growth of the household savings has become the source of main capital of our economic development, however, over-high savings must come together with the shortage of investment or consumption. Therefore, only if we find the main reason of affecting the household savings, then we can adopt suitable measurement over making the macro-control policy, so that a reasonable level of savings rate can be maintained to promote the economic development.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; (2) In comparison with national economic development, to analyse the relationship between savings and economic growth by setting up the ADL mode of GDP and savings ; (3) In combination with resident's financial assets structure, to analyse the relationship between Chinese household savings and investment, mainly through setting up the VAR mode between savings and stock trading volume, to analyse the interact between the stock market and household savings; (4)from the view of financial macro-control method, to mainly analyse the bank interest policy against the savings; (5) to analyse the relationship between consumption and household savings, mainly to give a relative analysis on the change of the consumption structure and the savings growth rate;(6) to analyse the system influence over the savings during the reform of national economy.Through the analysis mentioned above, the conclusions come as follows: (1) the increase of residents' income is the main reason of savings; (2) the shortage of financial market development hinder the savings' transfer to investment;(3) the flexibility of low interest rate of savings is the key reason of un-ideal interest rate policy; (4) the indefinite factor during the system reform strengthens the household savings inclination;.Finally upon this base, this article proposes the advice and measurement of our household savings. Based on the development mode of the United States and Germany, two methods be given as follows: first of all, to distribute part of precautionary savings,text elucidate the principle of reforming the forms of SME in china, and put forward the concrete scheme of establishing the forms of SME that is scientific logical> sound. This system posses Chinese feature and accord with the Chinese circumstanceso Lastly, this text sum up some essential conclusions of the study on the reform of forms of SME in china..