我国人口年龄结构的城乡居民储蓄效应分析

Based on Diamond theory constructs three phase overlapping generation theoretical model, By using the panel data of 31 provinces in 2003-2013，this paper conducts an empirical study on the effects of population age structure change to China's urban and rural household saving rate. The author finds that: the savings habits of residents have strong stability, household savings rate will not change too much in the short term; Residents generally lack of confidence to the existing social system, especially in rural and other underdeveloped regions; The empirical results in urban areas is consistent with the theoretical prediction model, the empirical results in rural areas is contrary to the theoretical model estimates, savings effect of population age structure has significant urban-rural differences; This urban-rural differences are also reflected in the three major regions, most notably in the Midwest. Therefore, the government departments should accelerate the improvement of the social security system, reduce uncertainty. Steadily increasing the proportion of people's livelihood fiscal expenditure, appropriate implement policy tilt to rural areas, promote urban and rural equalization.