非缴费型养老金对消费的影响——来自断点回归的证据

发布时间：2018-04-27 02:32

本文选题：非缴费型养老金 + 新型农村社会养老保险　；参考：《保险研究》2017年06期

【摘要】：非缴费型养老金是发展中国家的重要社会保障工具,中国近年来推行的针对农村和城镇居民的养老保险带有一定的非缴费特性。本文根据新型农村社会养老保险制度设计中60岁以上的居民可以免费领取基本养老金这一规定,设计断点回归,利用中国家庭动态调查2012年数据考察了非缴费型养老金对居民消费的影响。实证结果表明,新农保养老金的领取,使家庭非耐久品消费显著上升了15.9%。非耐久品消费的上升,主要来自于食物支出的上升。家庭消费的变化具有强烈的异质性。在老年人独居家庭中,食物支出的上升最为明显;三代人同住的家庭,则呈现教育支出的显著上升。
[Abstract]:Non-contributory pension is an important social security tool in developing countries. The old-age insurance for rural and urban residents introduced in China in recent years has some characteristics of non-payment. According to the stipulation that the residents over 60 years old can receive the basic pension free of charge in the design of the new rural social old-age insurance system, the design breakpoint returns. The effects of non-contributory pension on residents' consumption were investigated using the data of Chinese Household dynamic Survey in 2012. The empirical results show that the household consumption of non-durable goods has increased by 15. 9%. The rise in non-durable goods consumption comes mainly from rising food spending. The change of household consumption has strong heterogeneity. Among the elderly households living alone, the increase in food expenditure is the most obvious, while that in families with three generations living together shows a marked increase in expenditure on education.
【作者单位】：北京交通大学经济管理学院;对外经贸大学公共管理学院;
【基金】：中央高校北京交通大学基本科研业务费资助项目“基于微观数据和DSGE模型的社会保障政策评估”(B15RC00110)的支持
【分类号】：F126.1;F842.67

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