A Study On The Motive Of Preventive Savings Of Rural Residents And Its Influencing Factors

Choosing as the cutting point the phenomenon of "The Chinese Saving Puzzle", this paper analysis the motivation effect behind our Chinese rural resident’s saving behavior, which through reviewing and referring the correlation theory&reference. And depends on the167household peasant effective questionnaires of Jiangsu Province, the author reveals the correlative factors which have impact on the Precautionary Saving Motivation of rural residents from their own view, then demonstrate the mechanisms of these factors. Based on this, take the goal to weaken the rural residents Precautionary Saving tendency, and take the government decision-making ideas for foothold, it statements the recommendations and countermeasures to simulate or pull rural consumption level.The results show that:1.Individual characteristic variables influence rural residents Precautionary Saving tendency. Gender and the level of human capital shows negative correlation between its Precautionary Saving tendency, but the effect degree of gender is not so significant; The age is showing a positive correlation effect, that’s to say, the order tend to have a strong Precautionary Saving tendency.2.The characteristics of family variables also affect rural residents Precautionary Saving tendency. Income levels and the area of cultivated land per capital produce negative pulling effect to its Precautionary Saving tendency, the proportion of agricultural income shows positive pulling effect, and its effect degree are income levels greater than land, and far more than agricultural income.3.The social characteristic variables is an important factor. The service fees as the representative of productive consumption is also an important part of the daily life of rural residents, and it shows a high degree of positive correlation; To a great extent, the improved social mechanism of subsidies and loans offer an effective way to insulate against risk and thus reduce the uncertainty expectation of rural residents; With the rise of migrate workers, the crowding out effect on Precautionary Saving which produced by rural labor resources become an alterative to holding Precautionary Saving; The relationship between risk tolerance and the position of their saving tendency is closely related, the rural residents who deem they have a strong risk-bearing ability will also exhibit a low level of Precautionary Saving tendency.4.Regional variables is a significant factor in a certain extent. The development gap between different regions will lead to obvious differences in the intensity of rural residents Precautionary Saving tendency. According to the theoretical analysis and empirical test results, this paper put forwards corresponding policies and suggestions:1.Polices should focus on the non-agricultural income of rural residents, and to further improve income structure;2.Accelerate the construction of social safety nets, enhance the function of social security;3.Deepening reform and stabilize the rural residents consumption expectation;4. Increase the intensity of investment in rural education, elevating the level of rural human capital;5.To break the regional barriers, then to realize the regional cooperation and integration development.