中国农村老年人养老规划的现状及影响因素研究  

A Study on the Status and Determinants of the Financial Planning of the Chinese Rural Elderly for Later Life

作　　者：伍海霞[1] 宋健[2] Wu Haixia;Song Jian

机构地区：[1]中国社会科学院人口与劳动经济研究所,北京100710 [2]中国人民大学人口与发展研究中心,北京100872

出　　处：《复印报刊资料（社会保障制度）》2022年第6期22-32,共11页SOCIAL SECURITY SYSTEM

基　　金：国家社科基金重大项目“高质量发展视域下中国人口均衡发展的理论建构与多维测度研究”(20&ZD173);国家社科基金一般项目“城乡空巢家庭老年人养老研究”(19BRK021)。

摘　　要：制定养老规划是农村老年人积极应对养老风险的重要举措。利用中国老年社会追踪调查2018年数据,文章分析了农村老年人的养老规划现状及其影响因素,发现约34.6%的农村老年人实际有养老规划,约13.8%的老年人误判了自身的养老规划状况;现金储蓄是农村老年人的主要规划方式。相比农村居住的非留守老年人,农村留守老年人和进城农村老年人有养老规划的比例更高。农村老年人的经济收入对其是否做养老规划既存在显性影响,也具有通过养老观念的中介作用而表现出的显著的隐含影响。在养老责任观念的中介作用下,认同由政府和社会承担养老责任的养老观念会促使有劳动收入、子女给予经济支持和有新型农村养老保险的老年人做养老规划的可能性下降。Making financial plan is an important way for rural elderly to actively reduce the risks of pension in the process of rapid aging in China.Using the data of 2018 China Longitudinal Aging Social Survey(CLASS),the paper analyzes the current status of financial planning of the rural elderly.The influence mechanism of income on pension planning through the intermediary effect of pension concept is also analyzed.It is found that about 34.6%of rural elderly actually have financial plan,and about 13.8%of the elderly misjudged their own elderly financial plans.Cash savings is the main economic planning method for the rural elderly.The ratios that left-behind rural elderly and rural elderly living in urban areas have financial plan are higher than that of the non-left-behind elderly living in rural areas.The economic income of the rural elderly has a significant impact on whether the rural elderly have financial plan.The effect of the economic income on the financial plan of the elderly is moderated by the pension concept.Under the intermediary effect of the pension concept that the government and society share the responsibility for the elderly,the elderly with labor income and more economic support from the children are more likely to make financial plan.And the elderly having new rural old-age insurance are more likely not to make financial plan.

关 键 词：养老规划 农村留守老年人 进城农村老年人 经济收入 养老观念 

分 类 号：D669.6[政治法律—政治学]