摘要: PERSONAL saving rates, i.e., the ratios of personal to disposable income, in many industrialized countries have risen dramatically recent years. A number attempts explain phenomenon rising rates coinciding with price inflation drawn upon work George Katona (1975), who has stressed feeling uncertainty and pessimism about future caused by that, turn, encourages saving. In this paper a general model aggregate household behavior is formulated. Data on Canada, Germany, Japan, United Kingdom, States are used estimate function each results test various hypotheses behavior. This two major objectives: for direct influence after taking into account other relevant factors, including any indirect channels which may exert an (e.g., level real liquid assets); determine what factors country important explaining