重点国有林区家庭储蓄率影响因素研究--基于2014户林业职工家庭微观数据的实证分析  

Exploring The Influencing Factors of Household Savings Rate in Key State-owned Forest Areas--An empirical analysis based on micro data of 2014 forestry worker households

作　　者：田雨辰 王雪东 TIAN Yu-chen;WANG Xue-dong(College of Economics and Management,Northeast Forestry University,Harbin 150040,China;BeiDaHuang Food Group,Harbin 150036,China)

机构地区：[1]东北林业大学经济管理学院,哈尔滨150040 [2]北大荒食品集团有限公司,哈尔滨150036

出　　处：《中国林业经济》2023年第3期17-21,共5页China Forestry Economics

基　　金：中央高校基本科研业务专项资金项目(2572022BM01)。

摘　　要：基于2022年重点国有林区87个森工林业局2014户家庭微观调查数据,采用OLS回归对重点国有林区家庭储蓄率的影响因素进行实证研究。结果表明:家庭抚养比、人均受教育程度、家庭就业状况、教育支出比重以及负债情况均与已有研究结论一致,对重点国有林区家庭储蓄率存在显著负向影响;而家庭年龄结构、人均健康程度和家庭总收入对家庭储蓄率的影响也符合正向作用发生机制。鉴于此,提出了森工企业和地方政府有关部门要在稳就业、保民生、促发展方面精准发力,确保林区家庭增收的同时降低预期收入的不确定性;完善教育体制改革,抑制教育储蓄动机;提高社会保障水平与覆盖率,减轻居民因养老、医疗产生的后顾之忧,进而降低家庭储蓄率,刺激投资消费,激活林区发展新活力。Based on the 2014 household micro-survey data of 87 forest industry and forestry bureaus in key state-owned forest areas in 2022,OLS regression was used to empirically study the influencing factors of household savings rate in key state-owned forest areas.The results showed that the family dependency ratio,per capita education level,household employment status,proportion of education expenditure and debt were consistent with the conclusions of the previous studies,and had a significant negative impact on the household savings rate in key state-owned forest areas.The effects of family age structure,per capita health and total household income on household savings rate are also in line with the positive effect mechanism.In view of this,it is proposed that forest industry enterprises and relevant local government departments should make precise efforts in stabilizing employment,protecting people's livelihood and promoting development,so as to ensure that households in forest areas increase income while reducing the uncertainty of expected income;Improve the reform of the education system and curb the motivation to save in education;Improve the level and coverage of social security,reduce residents'worries caused by pension and medical care,thereby reducing the household savings rate,stimulating investment and consumption,and activating the new vitality of forest area development.

关 键 词：家庭储蓄 重点国有林区 OLS回归 

分 类 号：F832.42[经济管理—金融学]