نوع مقاله : مقاله پژوهشی
نویسنده
گروه اقتصاد و حسابداری، دانشکده مدیریت و اقتصاد، دانشگاه گیلان، رشت
چکیده
کلیدواژهها
موضوعات
عنوان مقاله [English]
نویسنده [English]
We study the saving behavior of Iranian urban households using surveys data. The sample is one year of urban household data from expenditure-income surveys. Since the saving behavior in different deciles may be different, the method of estimating the model is the quasi-parametric quantile regression which is a quasi-parametric estimator. The model includes nineteen variables extracted from household characteristics. The results show that the most important factor affecting the saving rate is income. The higher the individual's income, the higher the saving rate. However, for individuals in first decile of saving rates, the effect of income is greater than the last one. Also tests show that difference in deciles is significant and the accuracy of the quantile method is accepted. High education level, the presence of elder, household size, being married, tenant, and having a car reduce the individual's saving rate. The relationship between age and savings rate is a cubic function. The minimum value of this function is in early youth and then increases until the age of ninety. This is in a way confirming the life cycle hypothesis. No evidence observed for gender difference on saving rate. Also, for first decile of saving rate, quantile regression has better goodness of fitting and coefficients have greater value than other deciles. The robustness of our findings is supported by four complementary regression analyses, all of which consistently confirm the key results. . . . . . . . . . . . . . . . . . . .
کلیدواژهها [English]
)