The Research on Ageing Society and Domestic Saving in China
-
摘要: 人口老龄化必然带来家庭储蓄和消费的变化,首先老年人口必然倾向于消费而减少储蓄,所以随着人口结构的变化,必然会出现家庭储蓄的不利,进而降低社会储蓄率,再结合经济发展规律,人口老龄化很有可能影响经济发展;但是如果社会养老保障不足,反而会加强人们储蓄的动机,因此人口老龄化与储蓄的关系存在复杂的变化。文章从理论和文献研究两个方面论述人口红利理论。同时,由于养老金为代表的社会政策可以影响到居民储蓄,在此最后利用中国数据探讨中国人口结构变化与居民储蓄的关系,并从国际比较的视野和养老金角度分析了构建中国家庭较好的储蓄和资产配置的社会政策建议。Abstract: The demographic change will change the domestic consumption together with the saving. The basic logic is that when the labor age population's ratio begins to fall, the consumption is increasing that savings will be lower. But if there is no social security or welfare such as pension and health security, the saving intention is also very strong. So it is not easy to say the relationship between savings and demographic change. In this paper, the theory of labor age dividend is discussed and the data of China's savings, GDP and the demographic change are used to see the relationships. Since saving will be affected by the social security system, the pension structure is also relevant in domestic saving. The international comparisons are made, and the social policy of increasing the saving is introduced.
-
Key words:
- demographic change /
- labor dividend /
- domestic savings /
- policy advice
点击查看大图
计量
- 文章访问数: 215
- HTML全文浏览量: 27
- PDF下载量: 10
- 被引次数: 0