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      2. 城鄉居民收入水平對養老儲備的影響研究 ——來自CAFF50的調查數據
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        1.華中農業大學經濟管理學院;2.華中農業大學 經濟管理學院;3.清華大學社會科學學院

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        教育部人文社科規劃基金項目“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:Evidence from CAFF50
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        1.College of Economics and Management, Huazhong Agricultural University;2.School of Social Sciences, Tsinghua University

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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,實證檢驗了收入水平對城鄉居民養老儲備行為的影響。研究結果顯示: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2.5-4萬的促進作用最大;城鎮居民的養老儲備受收入的影響更大,門檻更低;東北地區養老儲備的收入門檻最高,東部地區則最低;西部地區的養老儲備行為對收入更為敏感,中部地區則最不敏感;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;收入較高的群體中,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,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 economic pressure . 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, 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, and that in the central is the least sensitive.In the lower income group, the elderly residents' retirement saving is more susceptible to income; in the higher income group, the elderly 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 ageing financial education in rural areas, change the concept of the aged and improve the consciousness of retirement saving , so as to reduce the pressure of the aged economy.

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        • 收稿日期:2020-04-10
        • 最后修改日期:2020-06-20
        • 錄用日期:2020-07-10
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