许宇星,初立苹

• 1:上海对外经贸大学金融管理学院

摘要(Abstract)：

城乡养老保险统筹是完善养老保障体系、推动城乡经济协调发展的重要举措。它有利于提升农村家庭养老待遇，进而影响家庭的经济活动。基于2015年与2019年中国家庭金融调查数据，本文使用双重差分法分析城乡养老保险统筹对农村家庭储蓄率的影响及作用渠道。结果表明，城乡养老保险统筹显著降低农村家庭储蓄率。本文进一步对作用渠道的分析发现，城乡养老保险统筹通过增加家庭生存型消费、缓解家庭面临的收入不确定性进而减少家庭储蓄率。异质性分析显示，城乡养老保险统筹对农村家庭储蓄率的影响在中西部地区、受教育水平较低、中低收入水平以及处在领取养老金阶段家庭的效果更加突出。上述发现对政府部门准确把握居民养老保险改革方向与力度、完善城乡居民养老保险制度具有理论参考价值与政策借鉴意义。

关键词(KeyWords)： 城乡养老保险统筹;家庭储蓄率;双重差分法

Abstract:

Keywords:

基金项目(Foundation): 教育部人文社会科学研究规划基金项目“社会保障制度城乡融合对居民幸福感的影响及推进路径研究”(项目编号:23YJA790010)的资助

作者(Author): 许宇星,初立苹

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• (1)Abadie et al.(2004)发现一对四匹配能够最小化均方误差,既能够使用尽可能多的样本信息,又可以使得匹配偏差最小。 (2)平衡性检验结果可联系作者索要。 (3)本文将水、电、暖气及物业费和房屋修缮支出之和记作居住支出。 (4)本文将年收入最高25%的家庭设定为高收入家庭,其余家庭设定为中低收入家庭。