基于VAR模型的云南城乡居民储蓄影响因素分析

Analysis of Influencing Factors of Urban and Rural Residents’ Savings in Yunnan Based on VAR Model

摘要: 本文运用VAR模型对云南省1999年至2022年的城乡居民储蓄影响因素进行实证分析。研究结果显示，云南生产总值和社会保障水平对居民储蓄有显著影响，城乡收入差距对储蓄的影响逐渐上升，而消费物价水平则呈现双重效应。本研究为云南省城乡居民储蓄政策制定提供了理论支持和实践指导。

Abstract: This article uses the VAR model to empirically analyze the factors affecting the savings of urban and rural residents in Yunnan Province from 1999 to 2022. The research results show that Yunnan’s gross domestic product and social security level have a significant impact on residents’ savings, and the impact of the urban-rural income gap on savings is gradually increasing. Meanwhile, the consumer price level exhibits a dual effect. This study provides theoretical support and practical guidance for formulating savings policies for urban and rural residents in Yunnan Province.