不确定性与中国城镇居民储蓄率的实证研究
发布时间：2018-11-28 13:22
【摘要】：本文从不确定性收入、社会保险的参与情况对中国城镇居民面临的不确定性进行了界定,并使用2006年中国综合社会调查数据(CGSS2006)检验了不确定性对城镇居民储蓄率的影响。基于稳健OLS和可行广义最小二乘法(FGLS)的估计结果表明:不确定性收入与城镇居民储蓄率之间存在着显著的正相关关系,参加养老保险和医疗保险可以显著降低城镇居民的储蓄率。分位数回归的结果进一步显示:在各分位处,不确定性收入均对城镇居民储蓄率产生了显著的正向影响,并且影响强度随着储蓄率分位的上升而下降;而在储蓄率分布的0.5及以上中高分位处,参加养老保险可以显著降低城镇家庭的储蓄率;在储蓄率分布的顶端,参加医疗保险也与城镇居民储蓄率之间表现出显著的负相关关系。
[Abstract]:In this paper, uncertainty of urban residents in China is defined from uncertain income and participation of social insurance, and the effect of uncertainty on savings rate of urban residents is tested by using China Comprehensive Social Survey (CGSS2006) data in 2006. Based on the estimation results of robust OLS and feasible generalized least square (FGLS), it is shown that there is a significant positive correlation between the uncertain income and the saving rate of urban residents. Participation in endowment insurance and medical insurance can significantly reduce the savings rate of urban residents. The results of quantile regression further showed that the uncertain income had a significant positive effect on the saving rate of urban residents at each quantile, and the influence intensity decreased with the increase of the saving rate. In the middle and high score of the distribution of savings rate, participating in pension insurance can significantly reduce the saving rate of urban households. At the top of the distribution of savings rate, there is a significant negative correlation between the participation of medical insurance and the saving rate of urban residents.
【作者单位】： 南京大学经济学院;南京农业大学公共管理学院;
【基金】：国家社科基金重大招标项目“贯彻落实科学发展观与加快转变经济发展方式研究”(07&ZD009) 国家自然科学基金“增强自主创新能力提升经济增长质量研究”(71073076)的资助
【分类号】：F224;F832.22
[Abstract]:In this paper, uncertainty of urban residents in China is defined from uncertain income and participation of social insurance, and the effect of uncertainty on savings rate of urban residents is tested by using China Comprehensive Social Survey (CGSS2006) data in 2006. Based on the estimation results of robust OLS and feasible generalized least square (FGLS), it is shown that there is a significant positive correlation between the uncertain income and the saving rate of urban residents. Participation in endowment insurance and medical insurance can significantly reduce the savings rate of urban residents. The results of quantile regression further showed that the uncertain income had a significant positive effect on the saving rate of urban residents at each quantile, and the influence intensity decreased with the increase of the saving rate. In the middle and high score of the distribution of savings rate, participating in pension insurance can significantly reduce the saving rate of urban households. At the top of the distribution of savings rate, there is a significant negative correlation between the participation of medical insurance and the saving rate of urban residents.
【作者单位】： 南京大学经济学院;南京农业大学公共管理学院;
【基金】：国家社科基金重大招标项目“贯彻落实科学发展观与加快转变经济发展方式研究”(07&ZD009) 国家自然科学基金“增强自主创新能力提升经济增长质量研究”(71073076)的资助
【分类号】：F224;F832.22
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相关期刊论文 前10条
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