养老保险对老年人养老选择的影响——基于CLASS数据的证据  

The Influence of Endowment Insurance on the Selection of Aged Care by Older Adults——Evidence from CLASS

作　　者：李聪[1] 丁昱圳 刘学宁[1] LI Cong;DING Yuzhen;LIU Xuening(School of Economics,Qingdao University,Qingdao 266100,China)

机构地区：[1]青岛大学经济学院,山东青岛266100

出　　处：《人口与发展》2024年第3期125-143,共19页Population and Development

基　　金：国家社科基金一般项目“中国医疗保险中的逆向选择问题:理论分析及实证研究”(18BGL200);山东省自然科学基金青年项目“我国城市家庭医疗支出导致的相对贫困识别及其治理研究”(ZR2022QG023);山东省高等学校青创科技计划创新团队“新发展阶段我国农村医疗保障扶贫成效评估及长效机制研究”(2022RW032)。

摘　　要：积极老龄化背景下,多样化养老选择已成为提升老年生活质量、改变传统家庭养老方式的重要举措,而养老保险的完善为丰富老年人养老选择、建立多元养老格局奠定基础。本文利用中国老年社会追踪调查数据,采用多元线性回归模型和工具变量法,实证分析养老保险参与对老年人养老选择的影响。研究发现,参与养老保险能够有效促进老年人做出养老选择。机制检验表明,养老保险通过改变养老观念、提高政府信任程度对养老选择产生影响。异质性检验表明,养老保险参与对老年人养老选择的影响效应在地区、户籍及参保类型方面存在明显差异。为推进积极老龄化战略实施,实现“老有所养”目标提供重要的参考价值。Against the backdrop of active aging,providing a range of care options for older adults has become a crucial means of enhancing their quality of life and moving away from the traditional family care model.The enhancement of endowment insurance has laid the groundwork for expanding the care options available to older adults and establishing a more diverse care model.This paper presents an empirical analysis of the impact of endowment insurance on the choice of aged care among older adults,using data from the China Longitudinal Aging Social Survey.The study finds that endowment insurance effectively promotes the choice of aged care among older adults,as demonstrated through multiple linear regression model and instrumental variables methods.The mechanism test shows that endowment insurance impacts the choices of aged care among older adults by changing traditional concepts of old-age support and increasing trust in the government.The heterogeneity test indicates that the effect of endowment insurance on the care choices of older adults varies depending on the region,household registration,and type of endowment insurance.The statement provides a valuable reference for promoting the implementation of the active aging strategy and achieving the goal of caring for older adults.

关 键 词：养老保险 养老选择 养老观念 政府信任程度 

分 类 号：C913.6[经济管理]