中国社会保险对居民消费的影响效应研究

Study on the Effect of Chinese Social Insurance on Consumption

目前,中国正处于经济转型的关键时期,必须大力开拓国内市场,刺激消费,扩大内需。本文研究发现,中国居民消费与教育、住房以及医疗等支出之间的不确定性呈负相关关系,这些不确定性日益成为阻碍居民消费的主要因素;社会保险与居民消费支出之间则存在着不明显的正向关系。其原因是我国的社会保险制度建立较晚,水平较低,尚存在诸多体制上的问题。因此,只有完善社会保险制度,才能增加居民抵御不确定性的能力,从而提高居民的消费能力。

At present, China is in a critical period of economic transition. China must develop the domestic market and stimulate consumption, in order to expand domestic demand. This paper find that uncertainty of housing spending, education spending and health care expenditure is negatively correlated with consuming, indicating that these uncertainties increasingly become an obstacle to the main aspects of consumption. But there is not very signif- icant positive relationship between social security and consumer spending. This is because the social insurance system in China started late, low level, and many system problems. Therefore, we must improve the social security system in order to increase people＇s ability to withstand the uncertainty, so that enhancing the consumption capacity of residents.