• 论文 •

养老保险和医疗保险对城镇家庭消费的影响研究

• 出版日期:2013-11-15 发布日期:2013-11-04

A Study on Effects of Pension Insurance and Health Insurance on Urban Household Consumption

Zou Hong et al.

• Online:2013-11-15 Published:2013-11-04

Abstract: Based on the data of urban household survey (UHS) in 2002 to 2009, this paper analyzes the effects of the participation rate and the contribution rate of social insurance on urban household consumption. We use instrumental variables method to solve the endogenous problem of the models and get the following results. Compared to uninsured families, the household of participating in social insurance increased 0.61% of household consumption; but the contribution rate of social security increased 1%; and the household consumption reduced 0.63%. For the type of family, the effect of the contribution rate of social insurance on consumption of the state-owned sector, high-income and young birth cohort families are higher than the non-state sector, low-income and elderly birth cohort families. Based on the type of social security, if the contribution rate of pension insurance increased 1%, consumption will decrease 2.58%; if the contribution rate of health insurance increased 1%, then consumption will increase 2.1%. Depending on the type of expenditure, the contribution rate of pension insurance has significantly negative effect on some larger expending categories, such as food, clothing, education, entertainment and transportation; however, it has significantly positive effect on some smaller expending categories, such as child training courses, tobacco, alcohol, and eating out.