江苏省养老金融对城镇居民消费影响研究

An empirical study on the impact of Pension Finance on urban residents'consumption in Jiangsu Province

近年来,我国老龄化趋势不断加重,传统养老方式已经不足以满足社会发展需求,研究养老金融对经济发展影响机制的重要性不言而喻。本文以江苏省为例,基于2011~2017年江苏省13个地级市的面板数据,选取城镇居民人均消费支出、养老金替代率、基本养老保险覆盖率等指标建立随机效应模型,进行面板数据回归,最终得出养老金融的发展总体上将带动居民消费的增长的结论,并据此提出了持续提高居民收入水平;完善养老金体系结构;制订相应鼓励政策等建议。

In recent years,the aging trend of our country is increasing,the traditional way of providing for the aged is not enough to meet the needs of all the members of the society,so it is self-evident to study the influence mechanism of supporting Finance on economic development.Taking Jiangsu Province as an example,based on the panel data of 13 prefecture level cities in Jiangsu Province from 2011 to 2017,this paper selects indicators such as per capita consumption expenditure of urban residents,pension replacement rate,basic endowment insurance coverage rate to establish a random effect model,and carries out panel data regression.Finally,it comes to the conclusion that the development of pension finance will generally drive the growth of residents’consumption,and accordingly puts forward the corresponding Policy recommendations.