对家庭财富代际转移动机与养老方式选择的实证分析

Empirical Analysis on Motivation of Intergenerational Transfer in Household Wealth

家庭财富代际转移动机比较典型的有:交换动机、利他动机、父母投资回报等,主要区分为利他动机和利己动机两类.传统的家庭养老方式支持的是利他动机,而实证研究表明,在发展中国家能得到验证的主要是利己动机.随着我国向工业化社会的转型,社会养老功能逐渐增强,在一个弱化的家庭养老运行机制的情况下,两代人的财富代际转移动机呈现了多元化的特征.设计了李克特量表进行实证分析,对量表做基本统计,阐明财富转移动机与养老之间的关系,并对结果进行分析.

The typical motivations of intergenerational transfer in household wealth are exchange, altruistic motirations and return of investing. Among those, the family pension concept could be supported by the altruistic motivation. However, selfishness motivation seems to be tested specifically in developing countries. With the development of industrialization in our county,the reliance on traditional family pension begins to be weakened. At the same time, the characteristics of the transfer of wealth among generations shows a trend of diversification. The empirical analysis based on the Likert-type scale was made and the relationship between the motivation and the pension mode was analyzed.