代际支持视角下养老模式更替研究

On the Change of Endowment Modes from the Perspective of Intergenerational Support

基于2016年中国家庭追踪调查的数据,将代际支持、储蓄率分别作为“家庭养老”和“储蓄养老”模式的载体,研究养老模式的更替问题。结果表明:子女给予的经济支持和非经济支持均会降低老年人的储蓄率,且经济支持对于老年人储蓄率的影响效果大于非经济支持。此外,在代际支持对老年人储蓄行为产生的影响中,经济支持占据决定性地位,即以经济支持为主和非经济支持为辅的“家庭养老”模式在某种程度上能够替代老年人传统的“储蓄养老”模式。因此,需要进一步完善社会养老保障制度,并且不断创新养老模式,为老年人的晚年生活提供更全面的保障。

Based on the data of China’s household tracking survey in 2016, this paper takes the intergenerational support and savings rate as the carriers of “family endowment” and “savings endowment” modes respectively, and studies the change of endowment modes. The results show that both financial support and non-financial support from child can reduce the savings rate of the elderly, and financial support has a greater effect on the savings rate of the elderly than non-financial support. In addition, among the influences of intergenerational support on the elderly’s saving behavior, economic support plays a decisive role, that is, the “family endowment” mode which is mainly based on economic support and partially on non-economic support can, to some extent, replace the traditional “savings endowment” mode. Therefore, it is necessary to further improve social endowment guarantee system and innovate endowment modes so as to provide more comprehensive guarantee for the elderly in their later years.