不同特征的家庭保险支出影响居民消费的研究  

A Study on the Impact of Household Insurance Expenditure with Different Characteristics on Resident Consumption

作　　者：万凡 

机构地区：[1]南京信息工程大学管理工程学院,江苏 南京

出　　处：《建模与仿真》2024年第2期1391-1403,共13页Modeling and Simulation

摘　　要：本文以来自于CHFS数据库的29个省市2019年家庭金融数据为样本,通过固定效应模型实证检验发现,各种群体中社会保障支出水平对居民消费均存在积极影响,而且社会保障支出相对消费的水平越高,刺激作用越弱;提高农村居民的社会保障水平对消费的刺激强度要大于城镇居民;健康状况和少年抚养比是影响农村居民消费的重要因素之一;中等收入群体中,少年抚养比对消费的影响越大,人们对子女的观念逐渐从养儿防老的“投资品”转变为“消费品”。Based on the data from 29 provinces and cities in 2019 CHFS database, this article applies the fixed effects model and finds that the level of social security expenditure has a positive impact on house-hold consumption in various groups. Moreover, the higher the relative level of social security ex-penditure to consumption, the weaker the stimulating effect;improving the social security level of rural residents has a greater stimulating effect on consumption than urban residents;health status and adolescent dependency ratio are important factors affecting the consumption of rural residents;in the middle-income group, the greater the impact of youth dependency on consumption, the more people’s perception of their children gradually shifts from investment to consumption for raising children.

关 键 词：社会保障 预防性储蓄 消费 

分 类 号：F12[经济管理—世界经济]