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Statistical Analysis of Savings Deposit Banking

Statistical Analysis of Savings Deposits Savings deposits are a very important indicator. They are the most important source of funding for financial institutions and the most important financial asset for residents. The factors affecting the change of residents' savings deposits are more complicated. From the perspective of physical economic operation, they are mainly affected by the factors of disposable income, consumption, housing investment and interest tax. From the perspective of the airport, it is also affected by the interest rate level and the development of the securities market. The impact of other financial assets' yields and the multiple factors of residents' preferences for liquidity.
Such as: textbook P60~61, reference book P33
example:
3. Table 3 is the total amount of China's savings deposits from 1994 to 1999. It is based on the analysis of the trend of the total amount of savings deposits in China during the corresponding period, and gives reasons for the simple emergence of this trend.
Table 3 China's savings deposits from 1994 to 1999
E borderColor=#000000 cellSpacing=1 borderColorDark=#000000 cellPadding=0 width="80%" borderColorLight=#999933 border=1> face=宋体>年
T> face=宋体>saving deposit
T> face=宋体>1994
T> face=宋体>21519
T> face=宋体>1995
T> face=宋体>29662
T> face=宋体>1996
T> face=宋体>38520
T> face=宋体>1997
T> face=宋体>46280
T> face=宋体>1998
T> face=宋体>53408
T> face=宋体>1999
T> face=宋体>59622
T> face=宋体>
answer:
Solution ideas:
The first step: calculating the growth rate and growth rate of savings deposits;
Step 2: Draw a timing chart of growth rate changes;
The third step: According to the chart and table, observe the trend of changes in savings deposits and analyze the corresponding reasons.
Calculation table for the growth rate and growth rate of savings deposits:
T> face=宋体>年
T> face=宋体>saving deposit
T> face=宋体>saving deposit development speed
T> face=宋体>saving deposit growth rate
T> face=宋体>1994
T> face=宋体>21519
T> face=宋体>—
T> face=宋体>—
T> face=宋体>1995
T> face=宋体>29662
T> face=宋体>138
T> face=宋体>38
T> face=宋体>1996
T> face=宋体>38520
T> face=宋体>130
T> face=宋体>30
T> face=宋体>1997
T> face=宋体>46280
T> face=宋体>120
T> face=宋体>20
T> face=宋体>1998
T> face=宋体>53408
T> face=宋体>115
T> face=宋体>15
T> face=宋体>1999
T> face=宋体>59622
T> face=宋体>112
T> face=宋体>12
T> face=宋体>

The actual problem solving process:
The first step: Calculate the growth rate and growth rate of savings deposits as shown in the above table;
The second step: as shown above, draw a time chart of the growth rate of savings deposits;
The third step: It can be seen from the graphs and tables that the total amount of savings deposits of Chinese residents increased year by year from 1994 to 1999, but the growth rate is decreasing year by year. The main reasons for this trend are: first, due to The decline in economic growth rate, the income of residents has dropped significantly. Second, since 1996, the interest rate of savings deposits has been lowered 7 times, and the income of savings assets has dropped significantly. Third, the high security of national debt, due to higher interest rates during the same period During the same period, the interest rate of savings has attracted a large amount of investment from residents. Fourth, the stock market has developed rapidly. Although the risk is very high, due to the considerable rate of return on the market, it has also diverted a large amount of savings funds. Fifth, since 1999, The government imposed an interest tax on the interest rate of savings deposits, which reduced the income of savings on the basis of interest rate cuts.
T>

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