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失业保险、流动性约束及家庭消费

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厘清失业保险的消费平滑效应,对于优化其基金配置、加强民生保障功能有重要指导意义.本文基于家户月度记账数据,发现失业金标准提高显著增加了失业者家庭消费,消费变化幅度明显.家庭生产理论与有限理性假说不足以解释上述结果,而流动性约束假说与本文发现一致.并且,本文发现失业金提升还显著改善了家庭消费结构,包括增加具有长期收益的发展型消费.在失业问题不断凸显的背景下,本文结论表明提升失业金标准是一项值得重视的政策.
Unemployment Insurance,Liquidity Constraints,and Household Consumption
Clarifying the consumption smoothing effect of unemployment insurance is essential for op-timizing its fund allocation and livelihood security function.Based on the monthly household diary data,we find that unemployment benefits increase significantly boosts unemployed households'consumption,and the magnitude of the consumption change is obvious,which can be better exaplained by the liquidity constraint hypothesis than the household production theory and the myopic hypothesis.Moreover,the un-employment benefits increase improves household consumption structure,including an increase in devel-opmental consumption with long-term benefits.Our findings reveal that increasing unemployment benefits is worthy of attention.

unemployment insurance benefitshousehold consumptionliquidity constraint

谢强、唐珏、吕思诺、白金

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华东理工大学社会与公共管理学院

上海财经大学公共经济与管理学院

中央民族大学经济学院

失业保险金 家户消费 流动性约束

国家自然科学基金青年基金国家自然科学基金青年基金

7220306072204154

2024

经济学(季刊)
北京大学出版社

经济学(季刊)

CSTPCDCSSCICHSSCD北大核心
影响因子:3.829
ISSN:2095-1086
年,卷(期):2024.24(2)