养老保险多轨制对家庭收入差距的影响研究
Research on the Influence of Multi-track Endowment Insurance System on Family Income Gap
张湉1
作者信息
摘要
社会保障是收入再分配调节机制的手段之一,基本养老保险作为我国社会保障制度的重要组成部分,具有多轨并行的特征.本文通过分析2019年中国家庭金融调查数据CHFS,运用普通OLS回归和Tobit模型,分析不同参保类型对家庭收入差距的影响,并进行了稳健性检验.实证研究结果表明:养老保险多轨制显著导致不同参保类型家庭的收入差距,家庭从未参保转变为参加城乡居民社会养老保险、城镇职工社会养老保险、机关事业单位离休金,其家庭总收入的对数将分别提高0.123、0.723和0.734,多轨并行的养老保险也造成家庭工资性收入、工商业收入和财产性收入的差距.
Abstract
Social security is one of the means of income redistribution adjustment mechanism,and basic pension insurance,as an important part of China's social security system,is characterised by multi-track parallelism.This paper analyses the impact of different types of insurance participation on the household income gap by analysing the 2019 China Household Finance Survey(CHFS)data,using ordinary OLS regression and Tobit models,and conducting a robustness test.The results of the empirical study show that the multi-track pension insurance system significantly leads to the income gap of households with different types of participation,and the logarithm of the total household income of a household that changes from uninsured to participating in urban and rural residents'social pension insurance,urban workers'social pension insurance,and retirement pension for organisations and institutions will be increased by 0.123,0.723,and 0.734,respectively,and multi-track and parallel pension insurance also results in the household's wage income,industrial and commercial income and property income gaps.
关键词
养老保险/多轨制/家庭收入差距/社会保障制度Key words
old-age insurance/multi-track system/Household income gap/social security system引用本文复制引用
出版年
2024
NETL
NSTL
万方数据