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本文将养老保险支出引入生命周期理论的消费函数中,分析我国养老保险支出对城镇居民消费的影响程度。研究表明,我国城镇居民的人均消费性支出与人均可支配收入、人均养老保险支出以及居民储蓄之间存在长期稳定的关系。养老金支出对居民消费作用虽然显著,但影响系数仍然较小。强化财政投入对养老保险的适度倾斜,继续扩大养老保险的覆盖面,是完善我国社会保障机制,解决我国养老保险困境的重要手段。
In this paper, the pension insurance expenditure into the life cycle theory of the consumer function, analysis of China’s pension insurance spending on urban residents degree of influence. The research shows that there is a long-term and stable relationship between per capita consumption expenditure of urban residents and per capita disposable income, per capita pension insurance expenditure and household savings. Although the effect of pension expenditure on resident consumption is significant, the influence coefficient is still small. To strengthen the proper inclination of fiscal investment on pension insurance and to continue to expand the coverage of pension insurance are important measures to improve our social security mechanism and solve the plight of China’s pension insurance.