城乡居民收入水平对养老储备的影响研究
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教育部人文社会科学规划基金项目“农村居民金融素养及其对金融决策的影响:路径与实证检验” (17YJA790080)。


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

    引导居民积极进行养老储备是缓解养老压力的重要途径之一。运用中国养老金融50人论坛调查数据,采用ordered probit模型估计,检验了收入水平对城乡居民养老储备行为的影响。结果显示:收入对养老储备有正向的促进作用,总体上呈N型,其中,月收入在2.5万~4万元的促进作用最大;城镇居民的养老储备受收入的影响较大,门槛较低;东北地区养老储备的收入门槛最高,东部地区最低;西部地区的养老储备行为对收入敏感,中部地区不敏感;收入较低群体中,年龄较大居民的养老储备更易受到收入的影响;收入较高群体中,年龄居中居民的养老储备更易受到收入的影响;年龄较小和较大城镇居民的养老储备受收入的影响要大于农村居民,年龄居中的群体则相反。因此,需要加强农村地区养老金融教育、改变居民现有的养老观念、提高居民养老储备意识,从而降低养老经济压力。

    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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孙瑞婷,熊学萍,张 栋.城乡居民收入水平对养老储备的影响研究[J].华中农业大学学报(社科),2020,(06):101-111

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  • 在线发布日期: 2020-11-11
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