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人口结构、社会保障关系到人们的储蓄与消费问题,本文将两者结合起来分析其对居民储蓄的影响,并运用广东省1990～2010年的数据对社会保障支出水平、老人赡养比、儿童抚养比与广东省居民储蓄进行验证。通过协整与误差修正模型研究发现:社会保障水平无论是在短期还是在长期都会对居民的储蓄水平产生影响,人口结构也是影响居民储蓄的一大因素,并在此基础上给出相应的建议。
Population structure and social security are related to the issue of people’s savings and consumption. This article combines the two together to analyze their impact on household savings. Using the data of Guangdong Province from 1990 to 2010, the author analyzes the social security expenditure, the dependency ratio of the elderly, the child support Compared with the savings of residents in Guangdong Province to verify. Through the cointegration and error correction model, it is found that the level of social security will have an impact on the residents ’savings level both in the short and the long term. Population structure is also a major factor affecting the residents’ savings. Based on this, the corresponding suggestions .