我国居民健康状况对其家庭储蓄的影响研究

发布时间：2018-03-28 21:13

本文选题：健康状况　切入点：家庭储蓄　出处：《消费经济》2017年03期

【摘要】：关于我国高储蓄率的研究一直吸引着国内外的广泛关注,许多学者对造成我国高储蓄率的原因进行了多种角度的解释,但很少有学者从居民健康状态的角度分析我国高储蓄率的原因。本文将从居民的健康状态出发,为解释中国高储蓄率提供一种新的视角。本文首先对我国居民的健康现状进行了阐述,实证研究了健康状况对家庭储蓄的影响。结果表明:居民健康状况与其家庭储蓄之间存在着显著的负相关关系,即居民健康状况的恶化会导致其家庭储蓄的上升;在健康状况的衡量指标上,居民主观健康和客观健康与其储蓄之间存在显著的负向相关关系,即居民主观(客观)健康越差,其家庭储蓄越高;而心理健康对居民储蓄的负向影响不显著。通过对我国居民健康状况和家庭储蓄的实证研究,为我国相关政策制定者和金融行业从业者提供一些政策建议和参考。
[Abstract]:The research on the high savings rate in China has been attracting extensive attention both at home and abroad. Many scholars have explained the causes of the high savings rate in China from various angles. However, few scholars analyze the reasons for the high savings rate in China from the point of view of the health status of the residents. In order to explain the high savings rate in China, a new perspective is provided. The results show that there is a significant negative correlation between the health status of residents and their household savings, that is, the deterioration of the health status of residents will lead to the increase of household savings; There is a significant negative correlation between the subjective health and objective health of residents and their savings, that is, the worse the subjective (objective) health, the higher the household savings. However, the negative effect of mental health on household savings is not significant. Through the empirical study on the health status of residents and household savings in China, some policy suggestions and references are provided for the relevant policy makers and financial practitioners in China.
【作者单位】：中南大学商学院;
【分类号】：F126.1;R1

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