Economic Theory and Business Management
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LIU Wen1,HANG Bin2
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刘雯1,杭斌2
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Abstract: With the gradually intensified aging level, the combination of the multitrack is officially launched with extensive focus on the low substitution rate at the same timeFirst from the micro perspective, this paper applies bufferstock savings theory and relative empirical analysis to study the effect of pension system on the consumption behavior from two aspects: pension multitrack and substitutionThe results both show that Chinas exist of the pension multitrack and low substitution rate to some extent can both explain consumption behaviorCivil servants and institutional staffs hold higher consumption tendency than enterprise personnelAfter controlling the multitrack,improving the pension substitution rate can help stimulate consumption expenditure, especially for those families which have lower income level and female household head.
Key words: bufferstock savings , consumption level , multitrack , pension substitution rate, Tobit
摘要: 老龄化背景下,中国养老金“并轨”开始启动,低替代率问题逐渐显露。本文借鉴缓冲储备储蓄理论,首次从微观角度基于养老金并轨和替代率两方面研究养老金制度对于家庭消费行为的影响。结论显示,我国养老金“多轨制”和养老金替代率均显著影响居民消费行为。机关事业单位人员比企业及其他人员消费倾向更高;在控制养老金“并轨”问题后,提高养老金替代率有助于刺激城镇居民增加消费支出。这些均对低收入和女性户主家庭更为明显。
关键词: 缓冲储备储蓄 , 消费水平 , 养老金“多轨&rdquo, 养老金替代率 , Tobit
LIU Wen1,HANG Bin2. PENSION SUBSTITUTION RATE AND RESIDENTS CONSUMPTION BEHAVIOR FROM MICRO RESPECTIVE[J]. Economic Theory and Business Management.
刘雯1,杭斌2. 微观视角下的养老金替代率与居民消费行为[J]. 经济理论与经济管理.
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URL: http://jjll.ruc.edu.cn/EN/
http://jjll.ruc.edu.cn/EN/Y2016/V36/I11/27