The habit formation effect is important in explaining the high saving rates of urban households in China. This finding is robust even if we consider the precautionary saving motivation of urban household.
本文研究发现,"习惯形成"可以从一定程度上解释近年来中国城镇居民消费不振及高储蓄的现象,这一效应即使在考虑了城镇家庭的"预防性储蓄动机"之后仍然是稳健的,并且其对消费的边际影响比"预防性动机"更为重要。
参考来源 - 城镇居民消费的“习惯形成”效应·2,447,543篇论文数据，部分数据来源于NoteExpress
城镇居民家庭的预防性储蓄动机要大于农村居民家庭的预防性储蓄动机；
The precautionary motivation of urban resident household is stronger than the rural resident household.
在调查的基础上，通过计量分析，探究了西北城市居民储蓄动机的因素构成，解释了其影响因素。
Based on the investigation and through calculation analysis, this essay explores the factors structure of the northwest urban residents 'saving motives, and explains the reasons.
由于受经济因素、社会因素和心理因素的影响，使居民储蓄动机增强，在储蓄形式上则以存款储蓄为主。
The motivations of the inhabitants' savings are enhanced because of economical, social and psychological factors and the inhabitants' savings are mainly in the form of bank savings.
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