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利用2009年与2002年中国六个省份与直辖市的城镇住户调查数据,对总体家庭储蓄率与不同生命周期阶段家庭储蓄率的决定因素进行了实证检验与扩展分析。研究表明:(1)2009年和2002年的家庭储蓄率都呈现出U型的生命周期特征;(2)两年的回归均显示,除可支配收入以外,其他户主特征以及家庭人口结构特征等变量对不同生命周期阶段家庭的储蓄率的影响均存在差异;(3)不管家庭处于哪个生命周期阶段,收入阶层越高的家庭,储蓄率也会显著越高;(4)收入的不确定性和医疗支出的不确定性都对各个不同生命周期家庭的储蓄率有显著正向影响;(5)城市人口规模和中年家庭的储蓄率呈显著的负向关系,但和总体家庭以及其他分类家庭的储蓄率呈显著的U型关系。
Based on the survey data of urban households in six provinces and municipalities of China in 2009 and 2002, this paper empirically tests and expands the determinants of overall household savings rate and household savings rate in different life cycles. The results show that: (1) Household saving rates in both 2009 and 2002 show the life-cycle characteristics of U-shaped; (2) The two-year regression shows that other than disposable income, other characteristics of household heads and family demographics (3) the household with higher income class will have a significantly higher saving rate regardless of which life cycle stage the family is in; (4) The uncertainty of income (5) There is a significant negative relationship between the urban population size and the savings rate of middle-aged families, but with the overall family and other categories Household savings rates showed a significant U-shaped relationship.