利率变动对储蓄、消费和投资影响的理论与实证分析

利率是国家宏观调控的重要经济杠杆。 1996年以来 ,我国已连续七次下调利率 ,但分析结果表明 ,利率下调并未产生预期的效果 ,消费、储蓄和投资对利率变动均无弹性。因此在对现代西方利率作用理论及利率政策进行探索的基础上 ,从市场主体角度认真分析研究对我国利率下调效果及影响因素 ,对进一步发挥利率的作用 ,使利率政策更好地为发展我国国民经济服务 ,具有重要的意义。

Theory and Case Study of the Influence of Changes of Interest Rate upon Saving, Consuming and Investing

Interest rate is very important to the macro-control of the state. Since 1996, China has reduced interest rate seven times. The study indicates that the decreasing of interest rate hasn't produced expected effect. There isn't much change in consuming, saving and investing due to the changes of interest rate. Therefore, it is necessary to analyze the effective and influential factors of the decreasing of the interest rate in China from the marketing point of view, so that the interest rate can help develop the national economy of China.