| 养老保险政策改革与老年家庭财务脆弱性：基于CHFS的经验证据 |
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| 引用本文：易行健1,2，3，赖可1，李家山4，杨碧云3.养老保险政策改革与老年家庭财务脆弱性：基于CHFS的经验证据[J].财经理论与实践,2025,(1):27-35 |
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| 中文摘要:依据中国家庭金融调查（CHFS）数据，以2018年养老保险待遇水平调整的政策改革作为准自然实验，并运用双重差分模型，考量养老保险政策改革对老年家庭财务脆弱性的影响。结果表明，养老保险政策改革通过促进收入的增加、减缓养老风险和健康风险冲击力度，使得老年家庭陷入财务脆弱性的概率下降5.61%。异质性分析显示，农村、有医疗保险以及需抚养子女数量少的老年家庭受到养老保险政策改革的影响程度更大。鉴于此，应通过提高养老保险保障水平、实行更精细化的养老保险政策等方式，推动我国多层次社会保障体系的完善。 |
| 中文关键词:养老保险政策改革 老年家庭 财务脆弱性 社会保障 准自然实验 |
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| Pension Policy Reform and Financial Vulnerability of Elderly Households: Empirical Evidence Based on CHFS |
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| Abstract:Based on data from the China Household Finance Survey (CHFS), this study employs the policy reform of pension insurance benefit levels in 2018 as a quasi-natural experiment and applies a difference-in-differences model to examine the impact of pension insurance policy reform on the financial vulnerability of elderly households. The results indicate that the pension insurance policy reform, by promoting an increase in income and mitigating the impact of pension and health risks, reduces the probability of elderly households falling into financial vulnerability by 5.61%. Heterogeneity analysis reveals that rural, medically insured, and elderly households with fewer children to support are more significantly affected by the pension insurance policy reform. Therefore, it is recommended to improve the level of pension insurance and implement more refined pension insurance policies to promote the perfection of China’s multi-level social security system. |
| keywords:pension policy reform elderly households financial vulnerability social security quasi-natural experiment |
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