居民储蓄存款余额变化的影响因素分析  

An Analysis of Influencing Factors on the Changes in Residents′ Saving Account Balance

作　　者：白倩[1] 

机构地区：[1]盐城师范学院数学科学学院,江苏盐城224005

出　　处：《常州工学院学报》2012年第4期67-70,共4页Journal of Changzhou Institute of Technology

摘　　要：文章首先从理论上分析了影响我国居民储蓄存款余额变化的相关因素,然后运用回归分析模型进行实证分析。通过建模发现,储蓄存款利率和居民存款余额的关系并不显著,从而剔除该影响因素,最终得到居民储蓄存款余额变化模型。最后,分析储蓄存款利率和居民存款余额关系并不显著的原因,并提出相应的对策建议。With an analysis of the influencing factors of resident savings balance changes,this paper makes an empirical analysis by regression analysis.Through the model,the relationship between savings rate and residents′ deposits balance is not significant.So this factor is eliminated from the model.And then the model of residents′ deposits balance is got.Finally,it analyzes the reason of less significant relationship between savings rate and residents′ deposits balance.And the suggestions are proposed.

关 键 词：居民储蓄存款余额 多元线性回归模型 最小二乘法 

分 类 号：F832.22[经济管理—金融学]