age Insurance Ethics of Filial Piety Family Welfare Pareto I

  本文关键词：养老保险、孝养伦理与家庭福利代际帕累托改进，由笔耕文化传播整理发布。

养老保险、孝养伦理与家庭福利代际帕累托改进

Old-Age Insurance, Ethics of Filial Piety and Intergenerational Pareto Improvement of Family Welfare

[1] [2]

Zhang Su, Wang Jie （ a ： School of Economics, Central University of Finance and Economics ; b ： School of Finance, Renmin University of China）

[1]中央财经大学经济学院,100081; [2]中国人民大学财政金融学院,100872

文章摘要：中国健康与养老追踪调查数据表明，中国老年人实际居住安排和居住偏好发生分离的程度在加大。本文构建了一个含有居住安排、养老保险以及家庭孝养伦理的效用均衡模型，以研究养老保险、家庭孝养伦理对于老年人居住安排及其福利的影响。研究发现，老年父母养老金的获得将会扩展家庭两代人的效用可能性前沿，但能否为两代人提供实现资源配置帕累托改进的机会，取决于一个家庭的孝养伦理状态。如果子女默认的父母效用权重比父母自己默认的效用权重还大，意味着父母的偏好得到尊重。在这样的家庭孝养伦理中，若父母愿意与子女同住，老年父母养老金的获得将会为两代人提供实现资源配置帕累托改进的机会。在父母愿意与子女同住但子女坚持父母独住的孝养伦理发生分裂的家庭，老年父母养老金的收入效应将会被冲减。本文利用CHARLS数据发现，中国农村养老保险维护了家庭孝养伦理，创造了家庭福利代际帕累托改进的机会，而政府、事业单位养老保险和城镇职工养老保险未能创造家庭资源的帕累托改进机会。本文建议养老保险适度向农村老年人倾斜，，并将养老保险发放额度与老年人家庭居住安排结合起来，比如养老保险向三代同堂家庭倾斜，促使养老保险成为维护中华民族家庭孝养伦理的经济力量。

Abstr：CHARLS data shows that the separation of living arrangements and residential preferences is increasingly severe. We construct utility equilibrium model which contains old-age insurance, living arrangements and family ethics of filial piety. Theoretical model has proved that if elderly parents get pension, it will expand the utility possibility frontier of two generations, but whether they obtain the opportunity to achieve a Pareto improvement or not depends on the family ethics of the society. If the utility weight of parents that their children acquiesce is greater than that of parents, it means that parents＇ preferences are respected. If parents are willing to live with their children, the acquisition of pensions will provide an opportunity to achieve a Pareto improvement for them. However if parents are willing to live with their children, but children insist on living alone namely the ethics of filial piety collapse, the income effect of elderly parents＇ pension will be weakened. CHARLS data show that old-age insurance in rural areas promotes the ethics of filial piety and creates an opportunity to achieve a Pareto improvement; however old-age insurance of employees in government agencies, institutions and enterprises fail to create an opportunity to achieve a Pareto improvement and accelerate the collapse of the ethics of filial piety. We propose that old-age insurance tilts to the elderly in rural areas and pension payment is linked to elderly living arrangements, such as old-age insurance tilts to an extended family of three or more generations living together, prompting old-age insurance to maintain the filial piety of the Chinese family.

文章关键词：

Keyword：:Old-age Insurance Ethics of Filial Piety Family Welfare Pareto Improvement

课题项目：本文得到教育部新世纪优秀人才支持计划、中央财经大学经济学院2011协同创新及未来科研项目预研究基金的资助.本文在中央财经大学经济学院双周论坛（2013）、山东大学经济研究院学术讨论会（2013）以及伦敦大学亚非学院学术讨论会（2014）中讨论过,感谢DieLo、PinnaPintor、陈斌开、张川川等人有益的建议.感谢匿名审稿人的宝贵建议,文责自负.

  本文关键词：养老保险、孝养伦理与家庭福利代际帕累托改进，由笔耕文化传播整理发布。