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Reporäntans effekt på hushållens sparande i Sverige
University West, School of Business, Economics and IT, Divison of Law, Economics, Statistics and Politics.
University West, School of Business, Economics and IT, Divison of Law, Economics, Statistics and Politics.
2017 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

This thesis studies how variations in the repo rate affects the saving rate of Swedish households and in different ages between 1996 and 2016. The central bank of Sweden is the controlling unit of the range for the repo rate. The repo rate affects the inflation as well as the loans and other variables for Swedish households. The time series data used in this thesis are quarterly. Independent values for the variables of the repo rate, inflation, disposable income and saving in relation to age for four different age groups is used. This thesis has developed data that are processed for unit roots and cointegration to estimate the effect on financial savings by using the regression model called "Error Correction Model". The economic model has an explanation power of about 50 % on financial savings in Sweden. This indicates that financial savings can be explained by other variables, such as consumption and psychological effects. With help of previous research, we have concluded that the life cycle hypothesis is the dominant theory when it comes to saving. The conclusions of this study show that the repo rate, as well as the other independent variables such as inflation and disposable income, have an effect on household savings.

Place, publisher, year, edition, pages
2017. , p. 60
Keyword [en]
Savings, repo rate, households, Sweden, life-cycle hypothesi
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-12043Local ID: NAX500OAI: oai:DiVA.org:hv-12043DiVA: diva2:1179011
Subject / course
Nationalekonomi
Educational program
Mäklarekonom
Supervisors
Examiners
Available from: 2018-02-09 Created: 2018-01-31 Last updated: 2018-02-09Bibliographically approved

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