消费者金融教育与家庭养老保障选择的多元化——基于PSM的实证分析

Consumer Financial Education and Diversification of Social Security Choice for Household——Empirical Analysis Based on PSM

利用倾向得分匹配法实证分析了金融教育对家庭养老保障计划的影响。研究发现,在混合样本条件下,消费者接受金融教育的程度对家庭养老保障计划选择行为具有显著影响;按照受访者从业行业进行划分后发现,在我国目前突出的行业差异性背景下,公职单位和技术管理岗位的受访者家庭在养老保险和以养老为目的的长期投资方面参与较之其他家庭的差异较为显著,而由于储蓄惯性使得养老储蓄方面的差异并未得到显著体现。

The impact of financial education on diversification of social security choice for household is empirically analyzed with propensity scoring matching（ PSM）. It is found that under the mixing samples,the level of financial education for consumers affects diversification of social security choice for household significantly. Division by consumer occupation shows that compared with other consumers,consumers who work in public and technical sections have significant differences in pension insurance and long-term investment aimed at security under the background of outstanding industry differences,while difference in pension savings is not showed significantly.