新型农村养老保障水平对居民消费的影响及区域差异  

The Influence of New Rural Endowment Insurance on Residents′Consumption and Regional Differences

作　　者：郑军[1] 张心阳 Zheng Jun;Zhang Xinyang(School of Finance, Anhui University of Finance and Economics, Bengbu Anhui 233000, China)

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233000

出　　处：《西南林业大学学报（社会科学）》2022年第4期25-33,共9页Journal of Southwest Forestry University(Social Sciences)

基　　金：安徽省社会科学创新发展研究课题“安徽智慧养老‘线上线下’联动服务体系建设研究”(2020CX154)资助。

摘　　要：通过构建养老保障水平、收入与消费的理论模型分析框架,基于包含东、中、西部不同情况地区的城市面板数据,分析新型农村养老保障水平对各地区农村居民消费的影响情况。结果表明:新型农村养老保障水平是推动农村居民消费的潜在动力;养老保障水平可通过居民收入再分配并预防性储蓄影响消费;养老保障水平对居民消费影响存在区域差异性,在经济发展水平较高的东部地区效应表现更为明显。基于相关政策理论,为解决降低居民不确定性预期和稳定居民消费问题提出了建议。The theoretical analysis framework of pension security level,income and consumption is constructed.Based on urban panel data including different regions in eastern,central and western China,this paper analyzed the influence of the old-age security level of the new rural endowment insurance on the consumption of rural residents.The results show that the new rural old-age insurance level is the potential driving force to promote rural residents′consumption;the old-age insurance level affects consumption through residents′redistribution of wealth and precautionary savings;the old-age security level has the region difference to the resident consumption,the economic development level higher eastern area effect is more remarkable.Based on relevant policies,suggestions have been put forward to reduce the uncertainty of residents′expectations and achieve the stability of residents′consumption.

关 键 词：新型农村养老保险 养老保障 农村 居民消费 区域差异 

分 类 号：F323[经济管理—产业经济]