引用本文
  •    [点击复制]
  •    [点击复制]
【打印本页】【下载PDF全文】 查看/发表评论下载PDF阅读器关闭

←前一篇|后一篇→

过刊浏览    高级检索

本文已被:浏览 89次   下载 192 本文二维码信息
码上扫一扫!
代际支持视角下养老模式更替研究
周弘,管世源,欧鲲
0
(安徽财经大学金融学院)
摘要:
基于2016年中国家庭追踪调查的数据,将代际支持、储蓄率分别作为“家庭养老”和“储蓄养老”模式的载体,研究养老模式的更替问题。结果表明:子女给予的经济支持和非经济支持均会降低老年人的储蓄率,且经济支持对于老年人储蓄率的影响效果大于非经济支持。此外,在代际支持对老年人储蓄行为产生的影响中,经济支持占据决定性地位,即以经济支持为主和非经济支持为辅的“家庭养老”模式在某种程度上能够替代老年人传统的“储蓄养老”模式。因此,需要进一步完善社会养老保障制度,并且不断创新养老模式,为老年人的晚年生活提供更全面的保障。
关键词:  经济支持  非经济支持  家庭养老  储蓄养老
DOI:
基金项目:教育部人文社会科学青年基金“中国居民家庭金融资产配置有效性研究”(16YJC790151)
On the Change of Endowment Modes from the Perspective of Intergenerational Support
ZHOU Hong,GUAN Shiyuan,OU Kun
(School of Finance, Anhui University of Finance and Economics)
Abstract:
Based on the data of China’s household tracking survey in 2016, this paper takes the intergenerational support and savings rate as the carriers of “family endowment” and “savings endowment” modes respectively, and studies the change of endowment modes. The results show that both financial support and nonfinancial support from child can reduce the savings rate of the elderly, and financial support has a greater effect on the savings rate of the elderly than nonfinancial support. In addition, among the influences of intergenerational support on the elderly’s saving behavior, economic support plays a decisive role, that is, the “family endowment” mode which is mainly based on economic support and partially on noneconomic support can, to some extent, replace the traditional “savings endowment” mode. Therefore, it is necessary to further improve social endowment guarantee system and innovate endowment modes so as to provide more comprehensive guarantee for the elderly in their later years.
Key words:  economic support  non economic support  family endowment  savings endowment

用微信扫一扫

用微信扫一扫