子代特质、代际关系与农村个人储蓄型养老金计划  

Offspring Traits,Intergenerational Relationships and Personal Savings Based Pension Plans

作　　者：聂荣[1] 张杨 张莉[2] NIE Rong;ZHANG Yang;ZHANG Li(School of Economics,Liaoning University,Shenyang 110036,Liaoning;School of Business Administration,Northeastern University,Shenyang 110819,Liaoning)

机构地区：[1]辽宁大学经济学院,辽宁沈阳110036 [2]东北大学工商管理学院,辽宁沈阳110819

出　　处：《管理学刊》2024年第4期1-13,共13页Journal of Management

基　　金：国家社会科学基金资助一般项目(23BJY175);辽宁省经济社会发展研究课题(2023lslybkt-059)

摘　　要：个人储蓄型养老金属于养老保障体系的第三支柱,它对于满足农民多样化养老需求、缓解农村地区的养老压力具有重要意义。本文在筛选与整理2020年CFPS数据的基础上,通过建立零膨胀负二项回归模型,对子代特质、代际关系与农村个人储蓄型养老金参与情况的关系进行了实证分析。研究发现:男性家庭成员占比高的和子女受教育程度高的子代家庭,其个人储蓄型养老金参与率会更高,但代际关系对农村家庭参与个人储蓄型养老金具有显著负向影响。同时,发现户主年龄越大、学历越高、对贫富差距看法越消极和家庭人均收入越高的农村家庭,越倾向参与个人养老金计划;参与城乡居民基本养老保险能够促进农村家庭参与个人储蓄型养老金计划。建议农村地区加强金融素养教育,提高养老风险意识,普及养老保险知识,刺激农民对个人储蓄型养老保险的需求。本研究拓展了对于农村地区三支柱养老保障体系,以及代际因素对个人储蓄型养老金需求的影响的研究。Personal savings type pension belongs to the third pillar of the pension security system,and the development of personal savings type pension plans in rural areas is conducive to alleviating the pressure of elderly care in rural areas.On the basis of screening and organizing the 2020 CFPS data,this article establishes a zero inflation negative binomial regression model to empirically analyze the relationship between offspring traits,intergenerational relationships,and rural personal savings pension participation.Research has found that offspring families with a higher proportion of male family members and higher levels of education in their children have a higher participation rate in personal savings pension.However,intergenerational relationships have a significant negative impact on the participation of rural families in personal savings pension.At the same time,it was found that the older the head of household,the higher their education level,the more negative their views on the wealth gap,and the higher their per capita income,the more likely they are to encourage rural families to participate in personal pension plans.Participating in the basic pension insurance for urban and rural residents can promote rural families to participate in personal savings type pension plans.It is recommended that rural areas strengthen financial literacy education,raise awareness of pension risks,popularize knowledge of pension insurance,and stimulate the demand of farmers for personal savings type pension insurance.This study helps to expand the research on the three pillar pension security system in rural areas,and expands the influence of intergenerational factors on the demand for personal savings type pension.

关 键 词：人口老龄化 个人储蓄型养老金 子代特质 家庭代际关系 

分 类 号：F842[经济管理—保险]