رابطه پس انداز و ثروت ( با تاکید بر ارزش مسکن) در استان‌های ایران
محورهای موضوعی : اقتصاد کار و جمعیت
کلید واژه: مسکن, پس انداز, ثروت, داده‌های تلفیقی,
چکیده مقاله :
در این مقاله عوامل موثر بر پس انداز در اقتصاد ایران با تاًکید بر ارزش ثروت مسکن با استفاده از داده‌های تلفیقی 28 استان طی دوره 85-1379 ارزیابی شده است. نتایج نشان می‌دهد درآمد(تولید ناخالص داخلی) بر پس انداز (مانده حساب سپرده بانک‌ها) اثر مثبت و معنادار داشته و نرخ بیکاری و شاخص تغییرات ارزش مسکن رابطه منفی با پس انداز دارد. بنابراین در کل استان‌ها تغییرات ارزش مسکن(متغیر جایگزین ثروت) بر حجم پس انداز اثر گذار بوده و نظریه سیکل زندگی تایید شده، همچنین اثر معکوس ارزش ثروت بر پس انداز تایید می‌گردد.
In this study, factors affecting savings in Iran,s economy will be recognized by emphasizing the value of housing wealth in the provinces of the country. To represent that the data elements between twenty-eight provinces in 2001-2006 is used and a suitable model for is estimated panel data. Model results show that the estimated income (GDP) on savings (bank deposit account balance) had a significant positive effect and unemployment and the housing index are negatively related to changes in the value of total savings in the provinces shows. Thus, changes in the total value of provincial housing (replace wealth variable) affect the amount of savings and life cycle theory and confirm the value of reverse wealth effect on saving shows.
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