居民储蓄与利率关系的实证分析  

A Case Study of the Relationship between InhabitantSavings and Interest Rate

作　　者：杨丽[1] 黄玉林[2] 

机构地区：[1]山东轻工业学院经济管理学院,山东济南250100 [2]山东轻工业学院数理系,山东济南250100

出　　处：《山东科技大学学报（自然科学版）》2004年第1期102-104,共3页Journal of Shandong University of Science and Technology(Natural Science)

摘　　要：运用山东城乡居民储蓄的数据,对居民储蓄存款余额和当年储蓄存款两个居民储蓄指标与利率的关系进行经济计量分析,结果表明:居民储蓄存款余额与名义利率和实际利率都没有显著正相关关系,当年储蓄存款与名义利率在1993年后呈显著正相关性,与实际利率没有正相关性。On the basis of the data published in Shandong Statistical Yearbook,we have analysed the relationship between the two indexes (inhabitant savings balance and savings deposit at the present year)and interest rate.The result shows that there is no significant positive correlation between inhabitant savings balance and nominal or real interest rate,while the savings deposit of the present year is significantly positive correlated with nominal interest rate after 1993,and is not positive correlated with real interest rate.

关 键 词：经济计量 储蓄存款余额 名义利率 实际利率 

分 类 号：F832.22[经济管理—金融学]