不同养老保障机制与家庭储蓄率——基于世代交叠模型的实证研究

发布时间：2018-06-01 22:25

本文选题：养老金财富 + 家庭储蓄率　；参考：《技术经济与管理研究》2014年06期

【摘要】：目前,我国的养老保障机制采用以社会养老保险为基础的多渠道养老保险机制,家庭成员赡养、个人金融投资和养老保险就成为了三种主要方式。这一结论已经得到了学术界的广泛认可,然而我国不同养老渠道之间的比例和关系尚缺乏实证研究。家庭自主的金融资产投资、家庭成员之间的赡养效果还没有得到充分的检验。文章基于2008年和2009年的中国家庭追踪调查(CFPS)数据,首次运用2005年政策调整后的数据进行实证研究,对我国养老金财富、个人金融投资以及家庭成员赡养率之间的关系进行了分析研究。文章根据传统的世代交叠模型,针对现有数据,建立了一个三期世代交叠模型,然后分析了不同渠道养老保险收入对家庭储蓄率的影响。研究结果表明,基本养老金财富与个人金融投资对非退休人群的储蓄有显著的负向影响,退休者的储蓄率主要受家庭成员赡养影响,并且呈负相关的关系。
[Abstract]:At present, the old-age security mechanism of our country adopts the multi-channel old-age insurance mechanism based on the social old-age insurance, the family member supports, the individual financial investment and the old-age insurance have become the three main ways. This conclusion has been widely accepted by academic circles, however, the proportion and relationship between different pension channels in China is still lack of empirical research. Family independent financial assets investment, family members between the support effect has not been fully tested. Based on the data of China Family tracking Survey (CFPS) in 2008 and 2009, this paper makes an empirical study on China's pension wealth by using the data of policy adjustment in 2005 for the first time. The relationship between personal financial investment and support rate of family members is analyzed. Based on the traditional generation overlap model and the existing data, this paper establishes a three-generation overlapping model, and then analyzes the influence of different income of endowment insurance on household savings rate. The results show that the basic pension wealth and personal financial investment have a significant negative impact on the savings of non-retired people, and the savings rate of retirees is mainly affected by the family members' support, and there is a negative correlation.
【作者单位】：北京大学经济学院;
【基金】：中国保险学会教保人身保险高校课题研究基金资助项目(jiaobao2011-01)
【分类号】：F842.67;F832.22

【参考文献】