社会保险对家庭金融的影响研究综述被引量：20

Literature review on the study of the influence of social insurance on family finance

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摘要本文以家庭金融为研究主体,分析并梳理了社会保险对家庭储蓄行为和投资行为两方面影响的国内外研究结果。结果表明,社会保险通过改变生命周期理论的储蓄动机而对家庭储蓄产生影响,其影响因研究区域或数据选取的不同而呈现差异,但对同一国家或地区的研究结论基本一致;社会保险对家庭投资行为的影响则通过背景风险实现,且总体结论较为一致,社会保险的存在会在一定程度上增加家庭对风险资产的持有。 Taking family finance as the research subjects, we analyze the influence of social insurance on family savings and investment behavior. The results show that social insurance influence family savings through changing the savings motivation of life cycle theory. Its influence differs due to different research areas and data selection. But the research results of the same country or the same area are consistent. Social insurance influences family investment behavior through background risk. Social insurance increases the holding of risk assets by family to some extent.

作者徐华徐斌

机构地区西南财经大学保险学院

出处《经济学家》 CSSCI 北大核心 2014年第11期91-99,共9页 Economist

基金 2011年度教育部人文社会科学研究青年基金项目"逆周期监管背景下保险业高管薪酬激励契约设计研究"(11YJC630236)

关键词社会保险家庭金融生命周期背景风险 Social risk Family finance Life cycle Background risk

分类号 F840.5 [经济管理—保险]

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