摘要
文章利用中国老年社会追踪调查2018年数据,分析了城乡空巢老年人的养老经济规划的现状及其影响因素。研究发现,约41.46%的空巢老年人有养老经济规划,有养老经济规划的独居空巢老年人比例低于夫妇空巢老年人,现金储蓄是空巢老年人做经济规划的主要方式。经济收入对空巢老年人的养老经济规划既具有显著的直接影响,也存在通过养老责任观念的中介作用对空巢老年人的养老经济规划的隐含效应。经济收入越多空巢老年人越可能做养老经济规划,有劳动收入、有企事业单位养老保险、子女给予经济支持的空巢老年人更可能做养老经济规划。认同由政府、社会和家庭共同承担养老责任的观念会促使经济收入多、有企事业单位养老保险和子女给予经济支持的空巢老年人做养老经济规划的可能性显著提高。
Using the data of 2018 China Longitudinal Aging Social Survey(CLASS),the paper analyzes the current status of financial planning of the empty-nest elderly in urban and rural areas in China.The influence mechanism of income on pension planning through the intermediary effect of pension responsibility concept is also analyzed.It is found that about 41.46%of the empty-nest elderly have financial plan.The proportion of the empty-nest elderly living alone having financial plans is lower than that of the elderly living in couples.Cash savings is the main economic planning method for the empty-nest elderly.The total economic income and its main components of the empty-nest elderly,such as labor income,pension insurance and economic income provided by children,have significant direct influences on whether the empty-nest elderly have financial plan.The effect of the economic income on the financial plan of the empty-nest elderly is moderated by the concept of the pension responsibility.Under the intermediary effect of the pension concept that the government,society and family share the responsibility for the elderly,the elderly having high economic income,pension insurance for enterprises and institutions and financial support from their children are more likely to make financial plan,but the elderly having urban and rural resident pension insurance are more likely not to make financial plan.
作者
伍海霞
WU Haixia(Institute of Population and Labor Economics,Chinese Academy of Social Science,Beijing 100710,China)
出处
《杭州电子科技大学学报（社会科学版）》
2024年第3期39-49,共11页
Journal of Hangzhou Dianzi University：Social Sciences
基金
国家社会科学基金重大项目(20&ZD173)
国家社会科学基金项目(19BRK021)。
