摘要
利用2010—2018年28个省的相关数据,以生命周期理论为依据,从农民收入和地区差异性两方面,考虑各省养老保险保障水平,构建养老金缴费工具变量,分析农村养老保险缴费率与农民消费支出的关系。实证结果表明:(1)提高农村养老保险缴费率与农民消费支出存在显著负相关影响,农村养老保险缴费率增加1%,农民消费降低0.018375%。(2)提高农村养老保险缴费率对农民消费的影响存在地区差异性,提高农村养老保险缴费率显著抑制经济欠发达地区农民消费,对经济发达地区农民消费影响不显著。(3)提高农村养老保险缴费率,扩大了农民收入差距和地区发展差异,抑制农民消费。由于提高农村养老保险缴费率抑制农民消费,我国应将其费率水平适度降低。
Based on theory of life cycle,using data of 28 provinces in China from 2010 to 2018,considering farmers'income and regional differences,this paper constructs variables of endowment payment tools and analyzes the relationship between rural endowment insurance payment rate and farmers'consumption expenditure.The experiment results show that:(1)there is a significant negative correlation between the increase of endowment insurance payment rate and the consumption expenditure of farmers.When payment rate of rural endowment insurance increases by 1%,farmers'consumption decreases by 0.018375%.(2)Increasing premium rate of endowment insurance has different effects on consumption of farmers in different regions.Increasing premium rate of endowment insurance significantly inhibits consumption of farmers in underdeveloped regions,but it has no significant effect on consumption of farmers in developed regions.(3)Increased payment rate expands income gap between farmers and increases regional development differences,and curbs the consumption of farmers.It is clear that increasing the payment rate of endowment insurance would restrain the consumption of farmers.Therefore,China should appropriately reduce the payment rate of endowment insurance.
作者
郑军
张心阳
ZHENG Jun;ZHANG Xinyang(Financial School, Anhui University of Finance and Economics,Bengbu 233000,Anhui)
出处
《河北农业大学学报（社会科学版）》
2021年第3期110-118,共9页
Journal of Hebei Agricultural University (SOCIAL SCIENCES)
基金
安徽省社科规划项目:“农业保险补贴扶贫的乘数效应研究”(编号:AHSKY2019D089)。
关键词
农村养老保险
缴费率
农民消费
农民收入
rural endowment insurance
payment rate
farmers'consumption
farmers'income
