| 社会养老保险“多轨制”与家庭股票市场参与 |
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| 引用本文：张松彪1,2，黄宇轩1,2.社会养老保险“多轨制”与家庭股票市场参与[J].财经理论与实践,2023,(4):58-64 |
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| 中文摘要:依据中国家庭金融调查数据，运用Probit模型和Tobit模型，考量社会养老保险“多轨制”对家庭股票市场参与的影响。结果显示：社会养老保险“多轨制”通过缓解收入风险、健康风险与风险厌恶程度等，影响家庭股票市场参与；家庭净资产水平和信任水平异质性，影响家庭股票市场参与差异。其中，参加企职保或机关事业单位养老保险促进家庭股票市场参与显著，参加城乡居保影响不显著。鉴于此，应进一步整合社会养老保险“多轨制”，提高城乡居保的养老保障水平，充分发挥社会养老保险对家庭股票市场参与的促进作用。 |
| 中文关键词:社会养老保险“多轨制” 家庭股票市场参与 收入风险 健康风险 风险厌恶程度 |
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| Multi-track System of Social Pension and Household Stock Market Participation |
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| Abstract:Based on the data of China's household financial survey, the Probit model and Tobit model are used to evaluate the influence of the multi-track system of social pension on household stock market participation. The results show that the multi-track system of social pension affects household participation in the stock market by alleviating income risk, health risk and risk aversion. The heterogeneity of household net worth and trust level affects the difference of household stock market participation. Among them, participation in the enterprise employment insurance or the endowment insurance of government and public institutions significantly promoted household participation in the stock market, but participation in urban and rural residential insurance had no significant impact. In view of this, we should further integrate the multi-track system of social pension, improve the old-age security level of urban and rural residential insurance, and give full play to the role of social pension in promoting family participation in the stock market. |
| keywords:multi-track system of social pension household stock market participation income risk health risk degree of risk aversion |
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