计量模型下银行储蓄存款影响因素的实证分析  

Empirical Analysis of the Factors Affecting Chinese Commercial Banks' Savings Deposit

作　　者：胡壮 HU Zhuang(Faculty of Finance,Anhui University of Finance and Economics,Bengbu 233000)

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233000

出　　处：《阴山学刊（自然科学版）》2018年第2期137-141,共5页Yinshan Academic Journal(Natural Science Edition)

摘　　要：本文采用计量经济学方法,运用Eviews软件和回归分析对影响居民储蓄存款的因素进行了实证研究;分析了我国商业银行储蓄存款业务面临的互联网金融冲击问题,并根据存在的问题,给出了解决的建议.Since the reform and opening up,China's commercial Banks have grown rapidly from scratch.As a major source of credit capital and profits for commercial Banks,savings deposits are of great significance to the banking system and even the entire financial system.In this paper,the econometrics method is used to study the factors influencing residents'savings deposits by using Eviews software and regression analysis.Secondly,the paper analyzes the problems of Internet financial impact in China's commercial Banks'savings deposit business,and gives some Suggestions based on the existing problems.

关 键 词：商业银行 储蓄存款 影响因素 实证分析 互联网金融冲击 建议 

分 类 号：O29[理学—应用数学] F832.2[理学—数学]