社会保障对居民个人储蓄的影响:理论和实证研究综述

对有关文献的考察表明,多数西方学者认为社会保障具有减少储蓄的作用.从理论上看,社会保障可以同时产生增加和减少储蓄的作用,究竟净效应是正是负,还要看实证分析的结果.从实证研究结果来看,时间序列分析存在一定的理论缺陷,跨国分析则遇到了估计方法和储蓄习惯的难题而缺乏说服力,相对来说比较成功的实证研究是横截面分析.尽管横截面分析也面临着一些难点,但其中的大多数研究确实为社会保障减少储蓄的净效应提供了证据.

Social Security and Private Savings:A Review of the Theory and Empirical Evidence

According to economic literature on social security,most Western scholars share the view that social security would decrease savings.In theory,social security would both increase and decrease savings.However,empirical analyses may reveal whether the net effect is positive or negative.The finding indicates that there exist certain theoretic errors in the time-series analysis,the cross-country analysis is not robust due to the method and savings habit,but the cross-sec-tion analysis is relatively successful.T...