省级统筹对养老保险覆盖面的影响  

The Impact of Provincial Pooling on Pension Insurance Coverage

作　　者：蔡伟贤[1] 刘梦雅 朱迪 Cai Weixian;Liu Mengya;Zhu Di

机构地区：[1]厦门大学经济学院

出　　处：《财政研究》2024年第2期114-128,F0003,共16页Public Finance Research

基　　金：国家社会科学基金后期资助项目“养老保障制度改革及其经济效应评估”(23FJYB034)。

摘　　要：扩大养老保险覆盖面是维系养老保险制度稳定运行的重要手段。本文以养老保险省级统筹改革为切入点,检验养老金统筹改革对养老保险覆盖面的影响。研究发现:省级统筹能有效扩大养老保险覆盖面。该效应与政策实施前置条件、实施方案和效果以及实施对象紧密相关,即在监管强度越高、城投债规模越小、劳动保护环境越好的地方,效应越显著;并且我们发现更低的养老保险成本和明确的责任分担机制使养老保险供给提高更多;在职工特征方面,省级统筹主要提高更高流动诉求职工的养老保险需求。本文研究结论有助于明确养老金统筹改革准备工作,明晰不同实施方案的效果差异,以及不同群体受到的异质性影响,有助于后续进一步完善养老保险全国统筹方案。Expanding the coverage of pension insurance is a crucial measure for maintaining the stable operation of the pension insurance system.This study takes the provincial pooling reform of pension insurance as its focal point to examine the impact of such reform on the coverage of pension insurance.The findings indicate that provincial pooling can effectively enhance the coverage of pension insurance.This effect is closely associated with several factors,including policy implementation preconditions,implementation plans and outcomes,and implementation targets.Specifically,higher regulatory intensity,smaller municipal corporate bond scale,and a better labor protection environment contribute to more significant effects.Additionally,it is observed that lower costs of pension insurance and a clear responsibility sharing mechanism stimulate an increased supply of pension insurance.In terms of employee characteristics,provincial pooling primarily improves the demand for pension insurance of workers with greater mobility demands.The research conclusions presented in this paper are valuable for clarifying preparatory work related to pension pooling reform,understanding differences in effectiveness among various implementation plans,recognizing heterogeneous impacts on different groups,and facilitating further improvements in national pension insurance pooling schemes.

关 键 词：养老保险覆盖面 省级统筹 养老保险可持续性 

分 类 号：F842.6[经济管理—保险]