摘要
本文运用中国家庭金融调查数据,采用Probit模型考察子女抚养负担对居民商业养老保险参与的影响。研究发现,子女抚养负担促进居民商业养老保险的参与,并且社会互动在其中起中介效应,相比2017年,社会互动的中介效应在2019年显著增强。异质性分析表明,子女抚养负担对家庭商业养老保险参与的影响在高教育水平、高收入家庭与城市家庭中更为显著。在考虑可能存在的内生性问题以及重新定义核心解释变量后,上述研究结论依然稳健。
This paper utilizes data from the CHFS 2019 and employs a Probit model to examine the impact of child-rearing burden on residents'participation in commercial pension insurance.The research indicates that the child-rearing burden encourages residents'participation in commercial pension insurance,with social interaction serving as a mediating factor.Notably,the mediating effect of social interaction is significantly strengthened in 2019 compared to 2017.Heterogeneity analysis indicates that the effect of child-rearing burden on household participation in commercial pension insurance is more pronounced among families with higher educational attainment,higher income levels,and those residing in urban areas.After addressing potential endogeneity issues and redefining the core explanatory variables,the research conclusions remain robust.
出处
《浙江金融》
2024年第11期45-56,共12页
Zhejiang Finance
基金
2024年温州市哲学社会科学规划年度课题(24WSK019YB)成果。
关键词
子女抚养负担
商业养老保险
社会互动
Child-rearing Burden
Commercial Pension Insurance
Social Interaction
