退休对家庭消费的影响——基于模糊断点回归设计

The Impact of Retirement on Household Consumption:Based on Regression Discontinuity Design

利用中国健康与养老追踪调查(CHARLS)数据,通过断点回归设计研究退休对家庭消费的影响,结果表明:尽管消费总量不存在"退休消费之谜",但从消费细项看有些项目退休后明显上升,退休人口有更多的家庭生活时间,因此有更多的时间在家用餐,导致燃料费和食物支出相较于未退休时有大幅度增加。而且退休人口倾向于保持活跃的生活方式,积极参与娱乐活动,大多倾向于把金钱花费在生活体验上,而非实体物品。另一方面,有的项目出现显著下降,如衣着消费、外出就餐消费、美容保养和家庭旅游消费等。因此,企业和社会应在供给侧为退休人口提供更多适应退休生活的产品和服务。

Using the China Health and Retirement Longitudinal Study（ CHARLS） data,the impact of retirement on household consumption is studied by using the Regression Discontinuity design. The results show that although from the view of total consumption there is no ＂retirement consumption puzzle＂,but some of the consumer items increases significantly after retirement. Retirees have more time for family life,so there is more time to eat at home,and the expenditure of fuel and food increase substantially. Furthermore,the retired population tend to maintain an active lifestyle,and participate in entertainment actively,spending money on life experience rather than physical objects. On the other hand,some projects have declined significantly,such as clothing consumption,dining out consumption,cosmetology and family tourism consumption,etc. Therefore,enterprises and society should provide more retirement products and services for the retired population on the supply side.