城乡居保对农户家庭风险金融资产配置的影响研究

Study on-Influence of Old-age Insurance for Urban and Rural Residents on Household Risk Financial Assets Allocation

2014年我国试点实行城镇和乡村统一的城乡居民养老保险制度。理论上,养老保险对家庭金融资产选择会产生不确定性的影响。基于2017年中国家庭金融调查(CHFS)数据运用IV-Probit和IV-Tobit模型实证检验城乡居保对农户家庭风险金融资产配置的影响。检验显示:城乡居保对农户家庭风险金融资产配置的影响表现出净收入效应;农村社会医疗保险、农村商业保险对其产生正向的积极影响;其他一些个人和家庭特征因素对其也会产生一定的正向影响。最后从强化农户家庭风险金融资产配置的途径得出几点政策启示。

A pilot about China’s unified urban and rural residents pension insurance has been implemented in 2014.In theory,old-age insurance will have uncertain effect on the choice of financial assets of peasant households.Based on the data of 2017China Household Financial Survey(CHFS),IV-Probit and IV-Tobit models were used to empirically test the policy impact of urban and rural residents'old-age insurance on the allocation of risky financial assets of peasant households.The results show that the effect of urban and rural residents'old-age insurance on the allocation of household risk financial assets shows net income effect,rural social medical insurance and rural commercial insurance have positive influence on it,and other personal and family characteristics also have a positive effect on it.Finally,several enlightenment are drawn from the path to strengthen the rural household risk financial assets allocation.