خلاصة:
The ongoing study aims at a brief pathology on saving in Iran's private sector. The factors effect on saving in private sector have been introduced، including oil revenues، real interest rate of banking long-term deposits، ratio of stocks transactions value to Gross National Production (GNP)، proportion of employed population to total population، Inflation rate and Gini coefficient during 1974-2007 term. Then، we tested the hypotheses by using model of the least-squares method. At last، after elimination some of insignificance variables، the presence of positive effects in oil revenues growth and the ratio of the employed people to total population، and the negative influence of increase in banking long- term deposits' real interest rate on saving through private sector were verified. With respect to classic models in which interest rate positively affect on saving، it was verified in the current study that there was a negative relationship between real interest rate of banking long-term deposits and saving in private sector so it requires note that Iran's special economic conditions and the existing high inflation which are higher than banking deposits rate for the most occasions، led banking real interest to be negative and reject of Classics Theory in Iran.
ملخص الجهاز:
While examining the way oil revenues affect private sector savings, it introduces the effective factors on the savings of this sector, including oil revenues, the real interest rate of long-term bank deposits, the value of stock transactions to GDP, the ratio of employed population to total population, inflation rate, and the Gini coefficient during the period of 1990-2011.
Given the above discussions, the proposed model of this article for our country, whose theoretical basis is the "Life Cycle Consumption Theory" and the structure of the Iranian economy, is as follows: Private sector savings a 1+a 0 (Oil revenue growth rate) a 2+ (Real interest rate of long-term bank deposits) a 3+ (Value of stock transactions to gross national product) a 4+ (Ratio of employed population to total population) a 5+ (Inflation rate) a 6+ (Gini coefficient) a 7+ (Ratio of employed population to total population in the previous period) a 8+ Dummy variable + disturbance component As can be seen, the above model uses the oil revenue growth rate in determining its impact on private sector savings, which, given that oil revenues account for a significant portion of GDP and per capita income, can be a suitable indicator to explain the relationship between individuals' per capita income and their savings.
(
, 
, 
)
