家庭人口结构对居民养老储蓄的影响及制度优化  

Impacts of Household Population Structure on Residents'Retirement Savings and Pension System Optimization

作　　者：林熙[1] 成欢 Lin Xi;Cheng Huan

机构地区：[1]四川大学公共管理学院 [2]西华大学经济学院

出　　处：《财经科学》2025年第2期119-131,共13页Finance & Economics

基　　金：国家社会科学基金重大项目“基于系统观念的多层次社会保障制度创新与政策协同研究”(23ZDA099);国家社会科学基金一般项目“弹性延迟退休与老龄多元就业的协同优化研究”(2023BSH097)的资助。

摘　　要：激活居民养老储蓄、促进养老金融和多层次养老保障体系高质量发展是积极应对人口老龄化国家战略的重要内容。本文以人口结构转变和潜在养老储蓄需求激活为主线,以优化多层次养老金制度为目标,使用中国金融调查(CHFS)2019年数据样本,通过梳理家庭人口特征及家庭养老金融资产配置现状,分析家庭规模、家庭少儿抚养比和老年抚养比对家庭养老金融资产配置的影响,从需求侧预判个人及家庭的养老储蓄意愿和参与水平,探索激活养老储蓄、完善多层次养老金制度的路径优化,为深度老龄社会人民群众多样化养老保障需求的满足、促进养老金融发展提供理论参考和实证支持。Promoting residents'retirement savings,optimizing the financial market and the multi-tiers pension system effectively are significant to the national strategy of active population aging.This paper summarizing family demographic characteristics and the current situation of family pension financial asset allocation,analyzing the influence of family size,children dependency ratio and oldage dependency ratio on financial asset allocation,predicting the saving intention for retirement and participation level from the demand side,exploring the optimization of the retirement savings system.The paper provides theoretical reference for meeting people's diversified needs for old-age economic security,is beneficial to satisfy the multi-pension demand and promoting the development of pension finance.

关 键 词：家庭人口结构 居民养老储蓄 养老金融 

分 类 号：F840.67[经济管理—保险]