养老金财富对参保行为的激励效应——基于地缘、区域经济和财政支出空间关联的研究

发布时间：2018-01-17 03:14

本文关键词：养老金财富对参保行为的激励效应——基于地缘、区域经济和财政支出空间关联的研究　出处：《南方金融》2017年06期 　论文类型：期刊论文

【摘要】：较高的参保率是养老保险制度充分发挥作用的重要基础。与以往文献研究视角不同的是,本文对我国城镇职工基本养老保险参保率的影响因素进行研究,重点考察养老金财富对职工参保行为的激励效应,同时考虑我国各省份之间的地缘空间、区域经济空间、财政支出空间等方面的内在关联性。研究结果表明:各省份之间在地缘、区域经济和财政支出方面的空间关联性对养老保险参保率的影响显著为正;财政支出占比较高的省份,养老保险政策的激励效果比较好,参保率相对较高;养老金财富对参保率的影响显著为正,且养老金财富的激励效应在2007年养老保险制度改革后得到了显著增强。为进一步完善我国养老保险制度,建议加快推进养老保险全国统筹,并改变政策参数以提高居民的参保积极性。
[Abstract]:Higher participation rate is an important basis for the pension insurance system to play a full role. Different from the previous literature, this paper studies the influencing factors of the basic pension insurance participation rate of urban workers in China. This paper focuses on the incentive effect of pension wealth on employees' participation in insurance, and at the same time, considers the geographical space and regional economic space among the provinces in China. The results show that the spatial correlation among provinces in geographical, regional economy and fiscal expenditure has a significant positive impact on the pension insurance participation rate; In the provinces with higher financial expenditure, the incentive effect of the old-age insurance policy is better, and the insurance participation rate is relatively high. Pension wealth has a significant positive impact on the rate of participation, and the incentive effect of pension wealth has been significantly enhanced after the reform of the pension insurance system in 2007, in order to further improve the pension insurance system in China. It is suggested to speed up the national planning of endowment insurance and change the policy parameters to improve the enthusiasm of residents to participate in the insurance.
【作者单位】：北京大学光华管理学院博士后流动站;广发证券股份有限公司;中山大学岭南学院;
【分类号】：F812.45;F842.67
【正文快照】： 一、引言社会保险是社会的稳定器、经济发展的助推器,其中基本养老保险是社会保险中最为重要的组成部分,是构建和谐社会、缩小社会贫富差距、解决代际平衡问题、促进消费、提升人力资本水平、推动市场经济发展的重要手段。经过二十多年的发展,我国基本养老保险已经到了转型升

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