农民工养老保险与消费分层——来自浙江的调查

发布时间：2018-04-21 08:18

本文选题：农民工 + 养老保险　；参考：《消费经济》2017年03期

【摘要】：文章基于2017年1月在浙江省三地市调查的938个农民工及其家庭数据,利用均值回归和分位数回归方法,分析影响农民工家庭消费的因素,探究在不同消费层次上,农民工养老保险与家庭消费之间的关系。结果证实了农民工养老保险对家庭消费所产生的"资产替代效应";增加农民工收入固然能促进其消费,但农民工群体的异质性表现出有养老保险的高消费水平家庭具有更高的收入弹性,且受教育水平对其消费产生积极效应,而无养老保险的中低消费水平家庭则具有较强的预防性储蓄动机,且与户主的性别、年龄、婚姻均显著相关。由此得出的政策含义是通过使养老保险可转移接续,增加缴费档次并配套补贴,强化企业和农民工参保意识,以提高农民工养老保险覆盖率,增加其消费信心,走出因制度不公平等所导致的消费困境。
[Abstract]:Based on the data of 938 migrant workers and their families surveyed in three cities in Zhejiang province in January 2017, the factors affecting the household consumption of migrant workers are analyzed by means of mean regression and quantile regression, and the relationship between migrant workers' pension insurance and family consumption at different levels of consumption is explored. The results confirm that the migrant workers' pension insurance is to the family. The "asset substitution effect" produced by the consumption of the tribunal can increase the income of the migrant workers, but the heterogeneity of the migrant workers group shows that the high consumption level families with old-age insurance have higher income elasticity, and the level of education has a positive effect on their consumption, while the low and middle consumption level families without pension insurance have a higher level of consumption. A strong incentive to prevent savings is significantly related to the gender, age and marriage of the head of household. The policy implications are to improve the insurance coverage of the enterprises and migrant workers, to increase the coverage rate of the old insurance for the migrant workers, to increase their confidence in consumption and to get out of the system. The consumption dilemma caused by injustice.

【作者单位】：浙江农林大学经济管理学院;浙江农林大学浙江农民发展研究中心;
【基金】：教育部人文社会科学研究青年基金项目(14YJC790095) 浙江省高校重大人文社会科学项目青年重点项目(2013QN059) 浙江省提升高校办学水平专项——农民发展研究创新团队项目“农民收入与消费研究”
【分类号】：F323.8;F842.67

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