Abstract: in this paper， the expanded Dynan model， and use the panel data of 31 provinces were Chinese precautionary savings motive for Chinese town different income levels， rural households of measure The results showed that: 1，urban and rural residents precautionary savings motives are more from themiddle income households， and the intensity of motivation of precautionary savings of households with different income levels showed a normal distribution，the uncertainty caused by urban households precautionary motive the wholebody is stronger than the rural residents; 2， the rural residents of differentincome levels families are affected by the current liquidity constraints， liquidityconstraints， precautionary savings motive strength enhanced obviously， the estimation results more in line with While the town different income levels of household savings behavior was not affected by the current 3， the service consumer prices generally rise is expected to bringliquidity constraints on the saving behavior of rural， urban residents have significant In addition， the inspection found， both urban and rural residents， the actual interest rate on savings behavior has little effect，substitution effect in real interest rates that depend on the weak， lower deposit rates inhibit the excessive growth of savings rate limited
