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articles: Regional differences in personal saving rates in Spain


Author Info

  • Andrés J. Marchante

    (Department of Applied Economics, University of Malaga, Campus El Ejido, 29071 Málaga, Spain)

  • Bienvenido Ortega

    (Department of Applied Economics, University of Malaga, Campus El Ejido, 29071 Málaga, Spain)

  • Francisco Trujillo

    (Department of Applied Economics, University of Malaga, Campus El Ejido, 29071 Málaga, Spain)


The aim of this article is to analyze, from an aggregate perspective, the differences in personal saving rates among the Spanish regions at the NUTS II level from 1986 to 1994. In accordance with the postulates of the life cycle hypothesis, we present the main economic determinants for personal saving rates obtained from an aggregate personal saving model. Correcting for temporal and spatial dependence in the empirical model, the analysis suggests the existence of a significant and negative relationship between aggregate personal saving rates and wealth, access to credit and direct tax burdens. Likewise, a nearly significant positive relationship between personal saving rates and per capita gross disposable personal income has been detected.

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Bibliographic Info

Article provided by Springer in its journal Papers in Regional Science.

Volume (Year): 80 (2001)
Issue (Month): 4 ()
Pages: 465-482

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Handle: RePEc:spr:presci:v:80:y:2001:i:4:p:465-482

Note: Received: 29 January 1999
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Keywords: Personal saving; life cycle hypothesis; aggregate models; spatial dependence; panel data;

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Cited by:
  1. Kam, Eric, 2005. "A note on time preference and the Tobin Effect," Economics Letters, Elsevier, vol. 89(1), pages 127-132, October.
  2. Bande, Roberto & Riveiro, Dolores, 2012. "Private Saving Rates and Macroeconomic Uncertainty: Evidence from Spanish Regional Data," MPRA Paper 42647, University Library of Munich, Germany.


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