摘要
随着世界人口老龄化趋势增强,我国老龄化问题日益严峻。国家越来越重视养老产业的投资,并且在内需不足的情况下,许多政策旨在促进养老保险的发展进而拉动内需,提高人们的消费水平。基于生命周期假说并采用时间序列的方法,利用养老保险基金支出、养老保险间接影响因子等变量建立模型,分析我国养老保险支出对居民的消费水平的影响。实证结果表明:养老保险基金支出会通过直接或间接的方式影响居民消费,但最终会抑制居民消费。
With the continuous development and progress of China’s financial industry, the insurance industry has gradually crowded into the leading area of China’s financial industry. However, with the deepening trend of worl d population aging, the aging problem in China has become increasingly serious. The country attaches more and more importance to the investment of the endowment industry, and in the current situation of insufficient domesti c demand, many practical measures to promote the development of endowment insurance may stimulate domestic demand and improve people’s consumption level.This paper will use the time series method to analyze the impact of China’s pension insurance on residents’ consumption level.
作者
何泽恩
陈怡安
朱靖宇
He Zeen;Chen Yian;Zhu Jingyu(Hunan Normal University,Changsha Hunan 410006;Hunan International Economics University,Changsha Hunan 410205)
出处
《对外经贸》
2020年第2期106-110,共5页
FOREIGN ECONOMIC RELATIONS & TRADE
关键词
养老保险
居民消费
时间序列分析
Endowment Insurance
Residents’ Consumption
Analysis of Time Series
