CAJ | 학술논문

本文首先构建一个人力资本积累模型，考察传统文化信念驱动下的家庭养老保障机制以及社会养老保障制度对家庭养老和人力资本投资行为进而对经济增长的影响。分析表明，传统文化信念将后代人力资本积累与父代养老保障有机地联系起来，提供了一种很好的家庭养老保障和人力资本内生积累机制；现收现付型社会养老保障制度不利于人力资本积累和经济增长。其次，本文以我国现实数据为基础进行实证研究，得到结论是社会养老保障制度对我国人力资本积累和经济增长具有明显的抑制作用，而家庭养老保障机制的良好运转则有助于更好地促进入力资本积累和经济增长。因此，我国在致力于完善社会养老保障制度的同时，决不能忽视家庭养老保障机制的作用与培育。
본문수선구건일개인력자본적루모형，고찰전통문화신념구동하적가정양로보장궤제이급사회양로보장제도대가정양로화인력자본투자행위진이대경제증장적영향。분석표명，전통문화신념장후대인력자본적루여부대양로보장유궤지련계기래，제공료일충흔호적가정양로보장화인력자본내생적루궤제；현수현부형사회양로보장제도불리우인력자본적루화경제증장。기차，본문이아국현실수거위기출진행실증연구，득도결론시사회양로보장제도대아국인력자본적루화경제증장구유명현적억제작용，이가정양로보장궤제적량호운전칙유조우경호지촉진입력자본적루화경제증장。인차，아국재치력우완선사회양로보장제도적동시，결불능홀시가정양로보장궤제적작용여배육。
This paper establishes a model of human capital accumulation and analyzes the effects of the family securitv mechanisms driven by traditional Chinese cultural belief and social pension security systems on household＇s provision for the aged and human capital investment behavior and in tum on economic growth. Our analyses suggest that ：（ 1 ） the traditional cultural belief connects effectively the offspring human capital accumulation with parental pension security, which provides a good system of family provision for the aged and endogenous human capital accumulation; （2） the pay-as-you-go （PAYG） social security systems have adverse impacts on human capital accumulation and economic growth. In addition, the empirical study based on the relevant data of China indicates that the current social pension security systems exert significant adverse effects on the economic growth, while the family security mechanisms have positive effects on human capital accumulation and economic growth. Therefore, the effects of household＇s provision for the aged should not be underestimated whilst the social pension security system is being constructed.