统计研究
統計研究
통계연구
Statistical Research
2013年
11期
60~67
,共null页
社会保险参与率 社会保险缴费率 消费支出
社會保險參與率 社會保險繳費率 消費支齣
사회보험삼여솔 사회보험격비솔 소비지출
the Participation Rate of Social Insurance; the Contribution Rate of Social Insurance ; Household Consumption
本文利用2002—2009年广东省城镇住户调查数据(UHS),分析了社会保险参与率和缴费率对城镇家庭消费的影响。借助工具变量法解决模型内生性问题,研究发现:与未参保家庭相比,参保家庭的消费支出将增加0.61%,但社保缴费率增加1%,城镇家庭消费会降低0.63%。从家庭类型看,国有部门、高收入和年轻家庭社保缴费率对消费的抑制效应高于非国有部门、低收入和老年家庭。从社保类型看,养老保险缴费率增加1%,消费将降低2.58%;而医疗保险缴费率增加1%,消费将增加2.1%。从支出类型看,养老保险缴费率对食品、衣服、教育、娱乐和交通等支出大类均具有显著抑制作用,但养老保险缴费率对子女培训班、烟酒和在外就餐等支出细项却具有显著促进作用。
本文利用2002—2009年廣東省城鎮住戶調查數據(UHS),分析瞭社會保險參與率和繳費率對城鎮傢庭消費的影響。藉助工具變量法解決模型內生性問題,研究髮現:與未參保傢庭相比,參保傢庭的消費支齣將增加0.61%,但社保繳費率增加1%,城鎮傢庭消費會降低0.63%。從傢庭類型看,國有部門、高收入和年輕傢庭社保繳費率對消費的抑製效應高于非國有部門、低收入和老年傢庭。從社保類型看,養老保險繳費率增加1%,消費將降低2.58%;而醫療保險繳費率增加1%,消費將增加2.1%。從支齣類型看,養老保險繳費率對食品、衣服、教育、娛樂和交通等支齣大類均具有顯著抑製作用,但養老保險繳費率對子女培訓班、煙酒和在外就餐等支齣細項卻具有顯著促進作用。
본문이용2002—2009년광동성성진주호조사수거(UHS),분석료사회보험삼여솔화격비솔대성진가정소비적영향。차조공구변량법해결모형내생성문제,연구발현:여미삼보가정상비,삼보가정적소비지출장증가0.61%,단사보격비솔증가1%,성진가정소비회강저0.63%。종가정류형간,국유부문、고수입화년경가정사보격비솔대소비적억제효응고우비국유부문、저수입화노년가정。종사보류형간,양로보험격비솔증가1%,소비장강저2.58%;이의료보험격비솔증가1%,소비장증가2.1%。종지출류형간,양로보험격비솔대식품、의복、교육、오악화교통등지출대류균구유현저억제작용,단양로보험격비솔대자녀배훈반、연주화재외취찬등지출세항각구유현저촉진작용。
Based on the data of urban household survey (UHS) in 2002 to 2009, this paper analyzes the effects of the participation rate and the contribution rate of social insurance on urban household consumption. We use instrumental variables method to solve the endogenous problem of the models and get the following results. Compared to uninsured families, the household of participating in social insurance increased 0.61% of household consumption; but the contribution rate of social security increased 1% ; and the household consumption reduced 0.63%. For the type of family, the effect of the contribution rate of social insurance on consumption of the state-owned sector, high-income and young birth cohort families are higher than the non-state sector, low-income and elderly birth cohort families. Based on the type of social security, if the contribution rate of pension insurance increased 1%, consumption will decrease 2.58%; if the contributinn rate of health insurance increased 1% , then consumption will increase 2.1%. Depending on the type of expenditure, the contribution rate of pension insurance has significantly negative effect on some larger expending categories, such as food, clothing, education, entertainment and transportation; however, it has significantly positive effect on some smaller expending categories, such as child training courses, tobacco, alcohol, and eatin~ out.