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本文在新古典理论范式的现代生命周期消费函数理论模型框架内,从消费者行为假定的外部环境设定和内在主体设定两个方面,研究中国社会保障制度变迁对中国城镇居民消费和储蓄行为的影响。文章指出中国社会保障制度从国家—单位保障制向国家—社会保障制的转变增强了中国城镇居民面临的不确定性,扩大了收入差距,强化了居民的风险预期、理性程度和预防性头脑账户。文章得出结论,认为由于中国社会保障制度在转轨过程中过分强调个人责任和弱化收入分配,因此,抑制了居民的消费需求增长。
In the frame of neoclassical theoretical model of modern life cycle consumption function theory model, this paper studies the changes of China’s social security system on the consumption and savings behavior of Chinese urban residents from the perspectives of the external environment hypothesis and the inner subject hypothesis of the consumer behavior assumption. Impact. The article points out that the transformation of China’s social security system from a state-unit security system to a state-social security system has increased the uncertainty China’s urban residents are facing, widened the income gap and reinforced residents’ risk expectations, rationality and preventive mind accounts . The article concludes that because China’s social security system overemphasizes individual responsibility and weakens income distribution in the process of transition, it inhibits the growth of residents’ consumption demand.