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城鄉居民收入水平對養老儲備的影響研究
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教育部人文社會科學規劃基金項目“農村居民金融素養及其對金融決策的影響:路徑與實證檢驗” (17YJA790080)。


Study on the Influence of Urban and Rural Residents’ Income Level on the Behavior of Retirement Savings 
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    摘要:

    引導居民積極進行養老儲備是緩解養老壓力的重要途徑之一。運用中國養老金融50人論壇調查數據,采用ordered probit模型估計,檢驗了收入水平對城鄉居民養老儲備行為的影響。結果顯示:收入對養老儲備有正向的促進作用,總體上呈N型,其中,月收入在2.5萬~4萬元的促進作用最大;城鎮居民的養老儲備受收入的影響較大,門檻較低;東北地區養老儲備的收入門檻最高,東部地區最低;西部地區的養老儲備行為對收入敏感,中部地區不敏感;收入較低群體中,年齡較大居民的養老儲備更易受到收入的影響;收入較高群體中,年齡居中居民的養老儲備更易受到收入的影響;年齡較小和較大城鎮居民的養老儲備受收入的影響要大于農村居民,年齡居中的群體則相反。因此,需要加強農村地區養老金融教育、改變居民現有的養老觀念、提高居民養老儲備意識,從而降低養老經濟壓力。

    Abstract:

    Guiding residents to save for retirement is one of the important ways to alleviate the pressure on pension system.Based on the survey data of China Ageing Finance Forum,using ordered probit model,this paper empirically tests the impact of income level on the retirement saving behavior of urban and rural residents.The results show that:income has a positive effect on the retirement saving and the overall pattern is n-shaped,in which the monthly income of 25000-40000 has the greatest promotion effect; urban residents’ retirement saving is more affected by income with lower threshold; the income threshold of retirement saving in the northeast is the highest while that in the east is the lowest; the retirement saving behavior in the west is the most sensitive to income but least sensitive in the central region; in the lower income group,the elderly residents’ retirement saving is more susceptible to income; in the higher income group,the middle-aged residents’ retirement saving is more susceptible to income; the influence of income in the youngest and oldest urban residents is greater than that of the rural residents,while the opposite is true for the middle-aged groups.Therefore,it is necessary to strengthen the aging financial education in rural areas,change the concept of the aged and improve the consciousness of retirement saving,so as to reduce the economic pressure of the pension system.

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孫瑞婷,熊學萍,張 棟.城鄉居民收入水平對養老儲備的影響研究[J].華中農業大學學報(社科),2020,(06):101-111

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  • 在線發布日期: 2020-11-11
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