我国存款人行为的分析--通货比率(C/D)分析

存款人行为是影响货币政策和商业银行流动性的重要行为,分析存款人行为有助于政府调节货币供给。按照资产需求理论,存款人行为受持有通货和存款这两类资产的成本和收益影响。从实证分析的情况看,我国存款人的行为主要受居民通货膨胀预期影响。因此,我国政府应采取刺激消费的宏观经济政策,增加居民现金持有量,以提高通货比率。

A Study of the Chinese Depositor Savings Behavior:Through Currency Ration (C/D) Analysis

Savings behavior is an important factor that exerts influence on both the monetary policy and the liquidity of commercial banks. An analysis of the behavior of depositor is conductive for the authority to adjust the money supply. According to the theory of asset demand, the behavior of depositor is influenced by the cost and profit of holding either the currency or deposit. Empirical analysis shows that Chinese depositors' behavior mainly depends on their expectations of the inflation. Therefore policy makers should adopt a consumption - stimulating macroeconomic policy to increase the currency people hold and to raise the currency ratio.