| Urban residents’ income is the most important part of economic construction in ourcountry. Urban residents’ savings can timely reflect the state of economy andconsumption level of the residents. Thus, the study of China’s urban residents’ savingshas practical significance. After90s, residents’ savings deposit balance have kept indouble-digit growth rates. The economic phenomenon of residents’ savings growingcaused extensive concern of domestic theoretical circle.More and more domestic scholars studied the situation of savings in China，theyfully recognized many influencing factors of our residents’ savings. According to theirresearch achievements, the main factors which influence the household savings are asthe follows: residents’ per capita disposable income, residents and the government’sexpectations, rate, CPI, amount of fund raised of stock, however, household savingsdecisions is a complicated process, many certain or uncertain factors could more or lessinfluence the process.In this paper, we give the influencing factors of residents’ savings in Chinaempirical analysis, and choose the influence of several factors, set up regression model.The problem for savings combined with domestic actual situation, puts forward somesuggestions. First, we collected data from1991to2010. The urban residents’ savingsrate model which can pass most kinds of tests are established. We make use of SPSSsoftware to study a series of parameter estimation and hypothesis testing. Throughconstant correction model, we draw the conclusions. By analyzing the economicmeaning, various main factors of the model are derived, and we give recommendationsaccording to current situation of domestic urban residents’ deposit savings.Wedetermine the main factors affecting China’s urban and rural residents’ savings whichhave a high growth rate. Finally, from a macroeconomic sense I give my owninterpretation of the conclusion, and put forward my views and suggestions according tomany problems of the savings. |
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