宏观调控、市场收益与理财消费——来自我国银行理财产品市场的经验证据

潘明清; 尹华北; 向杨

宏观调控、市场收益与理财消费——来自我国银行理财产品市场的经验证据

引用本文：潘明清，尹华北，向杨.宏观调控、市场收益与理财消费——来自我国银行理财产品市场的经验证据[J].财经理论与实践,2012,(6):53-56

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作者	单位
潘明清，尹华北，向杨	（1.西藏大学经济与管理学院，西藏拉萨 850000 ；2.中南林业科技大学商学院，湖南长沙410004；3.西南财经大学会计学院，四川成都611130 ）

中文摘要:考察2009~2011年我国银行理财消费市场发展的现状并利用经验数据对影响其发展的主要原因进行了实证分析，研究表明：我国银行理财消费规模与股票市场收益率不存在显著关系，但居民可支配收入、物价水平都对银行理财市场的发展发挥了重要作用。此外，我国银行理财消费市场的发展还受到国家宏观经济政策的影响，尤其是当提高存款准备金率导致银行资金面紧张时，商业银行则通过提高收益率来刺激人们的理财消费需求。

中文关键词:理财消费宏观调控市场收益

Macroeconomic Control, Market Gains and Financial Products Consumption: Empirical Evidences from Chinese Banks' Financial Products

Abstract:The 2009~2011 development status of the financing products market of Chinese banks has been examined, and using empirical data the main reasons that affect its development has been analyzed too. The study showed that: there is no significant relationship between the scales of bank financing consumption with the return rates of stock market, but the residents' disposable income, the price level have played important roles in the development of bank financing market. In addition, the financial products market of Chinese banks is also influenced by the macroeconomic policy, especially when the deposit reserve ratio is raised to some extent, commercial banks will increase the return rate to stimulate the financial products consumption.

keywords:Financial consumption Macroeconomic control Market gains

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