养老保险统筹与家庭消费决策

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中图分类号：F126.1；F842.67 文献标识码：A 文章编号：1007-5097（2025）08-0083-11

Pension Insurance Overall Planning and Household Consumption Decision-Making

JIANG Changliu，BI Pengfei （EconomicsSchool，AnhuiUniversity，Hefei23O6O1，China）

Abstract：Theimplementation of the pension insuranceoverallplanning is akey measure tooptimize thesocial security systemand enhancethewellbeingof thepeople.Basedondata fromthesevenroundsof theChinaFamilyPanel Studies （CFPS）conducted between2O10and2O22，thisarticleemploysastaggereddiference-in-differences approach to examine theimpactandmechanismof provincial-levelpension insuranceoverall planningonhouseholdconsumptiondecisionmaking.Researchshowsthatprovincial-level overallplannng significantlyboostsbothsurvivaland developmental householdconsumption，buthasnosignificantimpactonenjoyment-orientedconsumption，mainlyduetohouseholdincome constraints.From theperspectiveofmechanism，provincial-leveloverallplanning promotes theexpansionandimprovement of household consumption primarily by increasing disposable income，sharing income risks，and enhancing consumer confidence.Additionally，theoverall planning policy hasunleashed basicconsumption demandsamong low-income and middle-agedorelderlyhouseholds，while promotingthegrowthof high-levelconsumption demandsof high-incomeand young households.Acordingly，measures suchas targetedsubsidies，optimized alocationofcreditresources，and improved public service provision should be implemented to promote the upgrading of household consumption structures.

Keywords：pension insurance;consumer behavior;expand domesticdemand;social welfare;staggered diference-indifferences

一、引言及文献综述

社会保障是治国安邦的大问题，是实现广大人民群众共享改革发展成果的重要制度安排，关乎人口规模巨大的中国式现代化的成色。（剩余16984字）