平均工资、缴费下限与养老保险参保

发布时间：2018-12-19 06:56

【摘要】：研究目标:研究养老保险参保缴费逆向激励产生的原因、作用机制以及后果。研究方法:通过构建刻画参保者行为的生命周期模型,数值模拟分析平均工资增长对参保者效用的影响;借助自然实验构建固定效应工具变量回归,实证研究平均工资增长对参保行为的影响。研究发现:基于在岗职工平均工资的缴费下限设定,增加了低收入者的实际缴费负担,随着平均工资的提高,在借贷约束的限制下,为保障当期消费,低收入者会退出养老保险制度;平均工资上涨会显著降低参保职工人数,导致缴费遵从度下降。研究创新:通过研究平均工资变化对实际费率负担的影响,揭示低收入者的参保行为。研究价值:为养老保险制度改革,提供理解参保者微观行为的理论框架和实证依据。
[Abstract]:Research objective: to study the causes, mechanism and consequences of the reverse incentive of pension insurance contributions. Methods: by constructing a life-cycle model to describe the behavior of the insured, the effect of the average wage increase on the utility of the insured is analyzed by numerical simulation. With the help of natural experiments, this paper constructs a fixed effect tool variable regression, and empirically studies the effect of average wage growth on the insured behavior. The study found that: based on the setting of the lower limit of the average wage of the employed workers, it increases the actual contribution burden of the low-income people. With the increase of the average wage, under the constraints of borrowing and borrowing, to ensure the current consumption, Low-income people will withdraw from the old-age insurance system; Average wage increases will significantly reduce the number of insured workers, resulting in lower compliance. Research and innovation: by studying the effect of average wage change on the burden of actual rate, we reveal the behavior of low-income people. Research value: to provide theoretical framework and empirical basis for the reform of pension insurance system.
【作者单位】：东北财经大学金融学院;东北财经大学社会与行为跨学科研究中心;
【基金】：国家社科基金一般项目“代际分工视角下延迟退休对青年就业及薪酬的影响与对策研究”(17BGL149) 辽宁省教育厅项目“基本养老保险制度改革的潜在经济与福利分析:基于名义账户制的政策组合”(2015153)的资助
【分类号】：F249.24;F842.67

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