我国社会养老保险对城镇居民消费的影响研究
发布时间：2018-10-30 19:44
【摘要】：长期以来,我国居民消费水平较低,消费对经济增长的贡献较国际水平明显偏低,这不仅造成了我国经济结构的不合理,也威胁着我国经济的长期稳定可持续发展。在寻找扩大消费需求的长效机制中,作为平衡生命周期福利水平的社会养老保险,它将影响消费者的消费与储蓄决策。同时研究社会养老保险对我国居民消费的影响方向,对于建立现代社会养老保险制度的历史较短,并处于持续改革优化中的我国社会养老保险制度,更具有重要的实践意义。 国内外学者对于社会养老保险与居民消费关系的研究,无论是理论探讨还是实证分析,长期以来都没有形成统一的认识。本文在Feldstein扩展生命周期理论的框架下,运用理论分析与实证研究相结合的方法,采用2001-2012年的省际面板数据以及CHARLS (China Health and Retirement Longitudinal Study)数据,估算社会保障养老金财富值(social security wealth),运用宏观数据与微观数据来联合探讨养老保险对居民消费的影响：社会养老保险对城镇居民消费有促进作用；社会养老保险能促进居民的食品支出。 在扩大内需难的当下,建立和完善与经济发展水平相适应的社会养老保险制度,以及适当提高与人民退休生活水平相适应的养老金待遇,既可以满足居民的养老需求,也可以刺激居民消费、扩大内需以振经济。
[Abstract]:For a long time, the consumption level of Chinese residents is low, and the contribution of consumption to economic growth is obviously lower than that of the international level, which not only causes the unreasonable economic structure of our country, but also threatens the long-term stable and sustainable development of our economy. In seeking a long-term mechanism to expand consumer demand, social old-age insurance, which balances the level of life cycle welfare, will influence consumer consumption and savings decisions. At the same time, it is of great practical significance to study the influence of social old-age insurance on the consumption of Chinese residents, which has a short history of establishing the modern social old-age insurance system and is in the process of continuous reform and optimization. Scholars at home and abroad have not formed a unified understanding of the relationship between social endowment insurance and residents' consumption for a long time, whether it is theoretical discussion or empirical analysis. Under the framework of Feldstein extended life cycle theory, this paper uses the method of theoretical analysis and empirical research, using the inter-provincial panel data and CHARLS (China Health and Retirement Longitudinal Study) data from 2001 to 2012. To estimate the wealth value of social security pension (social security wealth), uses macro and micro data to explore the impact of pension insurance on residents' consumption: social pension insurance can promote the consumption of urban residents; Social old-age insurance can promote the food expenditure of the residents. At a time when it is difficult to expand domestic demand, the establishment and improvement of a social old-age insurance system commensurate with the level of economic development, as well as a proper increase in the pension treatment commensurate with the people's retirement standard of living, can not only meet the needs of the residents for the aged, Can also stimulate consumer consumption, expand domestic demand to boost the economy.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67;F126.1
本文编号：2300985
[Abstract]:For a long time, the consumption level of Chinese residents is low, and the contribution of consumption to economic growth is obviously lower than that of the international level, which not only causes the unreasonable economic structure of our country, but also threatens the long-term stable and sustainable development of our economy. In seeking a long-term mechanism to expand consumer demand, social old-age insurance, which balances the level of life cycle welfare, will influence consumer consumption and savings decisions. At the same time, it is of great practical significance to study the influence of social old-age insurance on the consumption of Chinese residents, which has a short history of establishing the modern social old-age insurance system and is in the process of continuous reform and optimization. Scholars at home and abroad have not formed a unified understanding of the relationship between social endowment insurance and residents' consumption for a long time, whether it is theoretical discussion or empirical analysis. Under the framework of Feldstein extended life cycle theory, this paper uses the method of theoretical analysis and empirical research, using the inter-provincial panel data and CHARLS (China Health and Retirement Longitudinal Study) data from 2001 to 2012. To estimate the wealth value of social security pension (social security wealth), uses macro and micro data to explore the impact of pension insurance on residents' consumption: social pension insurance can promote the consumption of urban residents; Social old-age insurance can promote the food expenditure of the residents. At a time when it is difficult to expand domestic demand, the establishment and improvement of a social old-age insurance system commensurate with the level of economic development, as well as a proper increase in the pension treatment commensurate with the people's retirement standard of living, can not only meet the needs of the residents for the aged, Can also stimulate consumer consumption, expand domestic demand to boost the economy.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67;F126.1
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