多元统计分析R软件.doc

PAGE PAGE 4 中国城镇居民养老保险缴纳对消费与储蓄的影响 1007524###，###，107##班， 摘 要：中国已经进入老龄化社会，随着越来越多的人开始享受晚年的退休生活，我国的养老压力也越来越大。与此同时我国的养老体制还不够完善，养老保险个人账户亏空严重，国家需要大量的补贴，因此发展经济尤为重要。所以研究我国养老保险缴纳对消费与储蓄的影响，可以使我们找出养老保险体制存在的问题，从而找出如何在保障养老的同时发展经济、增加居民储蓄。本文介绍了多元线性回归分析方法，采用多元线性回归方法分析我国养老保险缴费对消费与储蓄的影响，得到养老保险缴费和消费呈负相关关系，养老保险缴费和储蓄呈正相关关系。最后联系实际情况以及模型结论提出一些在保障养老保险缴费良性发展的同时增加居民消费与储蓄的建设性措施。 关键词：养老保险缴费；消费；储蓄；R软件 Effects of Chinese Old-Age Insurance Payment for Urban Residents on Consumption and Savings 1007524###, ###, Class 107## Abstract: China has entered the aging society, as the increasing number of people starts to enjoy the retirement life of old age, the retirement pressure of our country is also getting bigger and bigger. Meanwhile the retirement system of our country is not perfect, the debt of old-age insurance personal account is serious, our country needs massively the subsidy. So the development of economy is especially important. Therefore studies effects of Chinese old-age insurance payment on consumption and savings can make us seek out the problem that the old-age insurance system has, how more importantly is to discover the ways to develop the economy and increase the personal deposit during safeguard retirement. This article had introduced the multiple linear regression analysis method, uses multiple linear regression method examines our country old-age insurance payment to the influence of spending and deposit, obtains the old-age insurance payment and spends to show the inverse correlation relations, the old-age insurance payment and deposits to be a positive correlation; The last contact of the actual situation and the conclusions of the model output forward some constructive measures in the protection of the healthy development of the pension system meanwhile increase spending and deposit. Key words: Old-age insurance payment; Consumption; Savings; R software 1. 引言 经济全球化的背景下，中国经济所取得的成就举世瞩目。然而，由于保障制度改革的滞后，并没有形成全社会共享经济发展成果的局面。中国在创造经济增长奇迹的同时，也在造就高储蓄、低消费之谜，经济社会发展失衡。因此重构我国保障框架结构，建立