不同特征的家庭保险支出影响居民消费的研究

A Study on the Impact of Household Insurance Expenditure with Different Characteristics on Resident Consumption

摘要: 本文以来自于CHFS数据库的29个省市2019年家庭金融数据为样本，通过固定效应模型实证检验发现，各种群体中社会保障支出水平对居民消费均存在积极影响，而且社会保障支出相对消费的水平越高，刺激作用越弱；提高农村居民的社会保障水平对消费的刺激强度要大于城镇居民；健康状况和少年抚养比是影响农村居民消费的重要因素之一；中等收入群体中，少年抚养比对消费的影响越大，人们对子女的观念逐渐从养儿防老的“投资品”转变为“消费品”。

Abstract: Based on the data from 29 provinces and cities in 2019 CHFS database, this article applies the fixed effects model and finds that the level of social security expenditure has a positive impact on house-hold consumption in various groups. Moreover, the higher the relative level of social security ex-penditure to consumption, the weaker the stimulating effect; improving the social security level of rural residents has a greater stimulating effect on consumption than urban residents; health status and adolescent dependency ratio are important factors affecting the consumption of rural residents; in the middle-income group, the greater the impact of youth dependency on consumption, the more people’s perception of their children gradually shifts from investment to consumption for raising children.