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在人口老龄化程度不断加深和居民部门负债快速上升的背景下，本文采用中国家庭追踪调查(CFPS)数据，探讨家庭负债对老年人口劳动参与的影响。实证分析结果表明，家庭负债对老年人口退休产生负向效应，且对老年人口劳动参与产生正向效应。机制分析结果表明，为缓解负债引发家庭陷入信贷约束和流动性约束，老年人口倾向于增加劳动供给和延迟退休。此外，异质性分析结果表明，家庭负债对受教育水平较低、身体健康、拥有住房以及子女收入水平较低的老年人口劳动参与决策影响更为显著。本文研究为理解老年人口的劳动参与决策及延迟退休提供了新的视角，为相关部门制定老年人口方面的就业政策提供有益参考。
Abstract：Against the backdrop of deepening population aging and rapidly increasing debt in the residential sector, this article uses data from the China Family Panel Studies(CFPS) to explore the impact of household debt on labor participation of the elderly population. The empirical analysis results indicate that household debt has a negative effect on the retirement of the elderly population, and a positive effect on the labor participation of the elderly population. The mechanism analysis results indicate that alleviate the credit and liquidity constraints caused by household debt, elderly households tend to increase labor supply and delay retirement. In addition, heterogeneity analysis results indicate that household debt is more sensitive to the impact of labor participation decision-making on the elderly population with lower education levels, physical health, housing ownership and children's income level. This study provides a new perspective for understanding the labor participation decision-making, and delayed retirement of the elderly population, and provides useful reference for relevant departments to formulate employment policies for the elderly population.
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(1)限于篇幅,结果留存备索。
基本信息:
中图分类号:C924.24;D669.6;F832;F249.2
引用信息:
[1]张诚,凌晓红,翁希演.家庭负债如何影响老年人口劳动参与[J].经济学报,2025,12(04):157-175.
基金信息:
国家自然科学基金项目“共同富裕背景下家庭负债行为及对经济不平等的影响研究”(项目编号:72203136); 广东省哲学社会科学规划青年项目“电商发展与农户消费差距:理论机制、实证检验与政策优化研究”(项目编号:GD24YYJ27); 汕头大学科研启动经费项目“中国家庭负债行为研究”(项目编号:STF21003); 广东省自然科学基金项目“共同富裕背景下家庭负债核算、风险测度及对经济不平等的影响研究”(项目编号:2021A1515110956)的资助