Study on Influential Factors in Household Savings Deposits Based on Income Distribution
Based on household expenditures decisive role on savings deposits, this paper discusses the flow directions of income distribution, and analyzes related influential factors on these flows, further determines same factors on household savings deposits. By using the data from 1990-2007, the paper empirically analyzes the relationship between savings deposits and these influential factors from the respect of urban and rural households, respectively. The results indicate that income is the most important factor impacting savings deposits; the effect of interest rate is significant for urban household savings deposits but not for rural households; on the contrary, rural households are more sensitive to finance-related rate than the urban households.
household savings deposits income distribution cointegration relationship linear regression model
Shen Zhijuan Wang Xuefeng
School of Economics and Management, Harbin Institute of Technology, Harbin, 150001,China
国际会议
烟台
英文
475-478
2010-08-06（万方平台首次上网日期，不代表论文的发表时间）