劳动者创业与多层次社会保险需求——基于中国家庭金融调查数据的实证研究

公维才; 张  钰

劳动者创业与多层次社会保险需求——基于中国家庭金融调查数据的实证研究

引用本文：公维才，张钰.劳动者创业与多层次社会保险需求——基于中国家庭金融调查数据的实证研究[J].财经理论与实践,2024,(1):27-33

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作者	单位
公维才，张钰	（聊城大学商学院，山东聊城 252000）

中文摘要:采用2013—2017年中国家庭金融调查（CHFS）数据，实证检验自主创业对多层次社会保险需求的影响。研究发现：个体进行自主创业后的多层次社会保险需求会显著提高，增加幅度平均为3.29个百分点。相比于受雇个体，年龄在45~59岁且收入处于中等水平的发展型创业个体具有更高的多层次社会保险需求。在保险类型上，自主创业个体对多层次养老保险的需求最高，而对多层次医疗保险的需求较低。自主创业个体还会提高其家人的多层次社会保险需求，配置顺序依次是青壮年、老年人和儿童。

中文关键词:自主创业多层次社会保险需求风险转移资产保值增值

Self-employment and Multi-level Social Insurance Demands—An Empirical Study Based on China Household Financial Survey Data

Abstract:Based on the data of China Household Finance Survey ( CHFS ) from 2013 to 2017，the impact of self-employment on multi-level social insurance demand is tested. The study finds that the demand for multi-level social insurance after individual self-employment will increase significantly, with an average increase of 3.29 percentage points. Compared with employed individuals，developmental entrepreneurial individuals aged 45~59 years and with a medium level of income have higher multi-level social insurance needs. In terms of insurance types, self-employed individuals have the highest demand for multi-level pension insurance, while the demand for multi-level medical insurance is low. Self-employed individuals will also increase the multi-level social insurance needs of their families，and the order of allocation is young adults，the elderly and children.

keywords:self-employment multi-level social insurance demand risk transfer asset preservation and appreciation

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