SỐ 192 | THÁNG 3/2022
Quyết định tiết kiệm của hộ gia đình nông thôn vùng Đồng bằng sông Cửu Long
Cao Văn Hơn, Nguyễn Lan Duyên
Tóm tắt:
Để có cái nhìn tổng quan về hành vi tiết kiệm và những yếu tố thúc đẩy hành vi tiết kiệm của hộ gia đình ở nông thôn Đồng bằng sông Cửu Long (ĐBSCL), bài viết sử dụng dữ liệu từ 1.279 hộ gia đình ở đây thông qua phương pháp hồi quy Tobit. Kết quả cho thấy tiết kiệm bình quân của mỗi hộ chiếm 15% tổng thu nhập gia đình. Bên cạnh đó, kết quả nghiên cứu còn cho thấy có nhiều yếu tố có ảnh hưởng đến quyết định tiết kiệm của hộ nông dân ở ĐBSCL với các mức ý nghĩa khác nhau. Cụ thể, có ba yếu tố có ảnh hưởng cùng chiều với tiết kiệm bao gồm thu nhập của hộ, giá trị nhà, khoảng cách từ nơi ở đến tổ chức tín dụng. Ba yếu tố có ảnh hưởng nghịch chiều với tiết kiệm của nông hộ là tỷ lệ lao động, diện tích đất sản xuất và khả năng tiếp cận tín dụng.
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Determinants of Household Savings in the Mekong River Delta
Abstract:
In order to overview of saving behavior and factors that promote saving behavior of households in rural households in the Mekong Delta, the article uses data from 1,279 households using Tobit regression. The results show that the average saving level of each household accounts for 15% of household’s total income. Additionally, the results also show that there are many factors that have effects on saving decision of households in the Mekong Delta with different levels. Specifically, there are three factors that have positive influences on the savings rate, including household income, house value and distance from their place of residence and credit institutions. Conversely, three factors have negative effects on the savings rate, including the labor ratio, the total area of production land, and ability of access to credit.