作　　者： (）;

机构地区： 广东财经大学金融学院

出　　处： 《广东财经大学学报》 2020年第1期30-43,共14页

摘　　要： 以中国1992—2017年的数据为样本,运用生命周期等理论,采用VAR模型考察人口老龄化对居民储蓄率、企业储蓄率和政府储蓄率的影响。实证结果表明:人口老龄化对企业储蓄率的影响最大,影响效应先负后正;对政府储蓄率的影响次之,影响效应先正后负;对居民储蓄率的影响最小,影响效应先负后正。为应对人口老龄化对各类储蓄率的不利影响,应培养创新型人才,推动产业结构升级;完善养老保险保障,建立老年金融体系;发展银发产业,实行弹性退休制度。 Taking the data of China from 1992 to 2017 as a sample,and using the life cycle theory,this study employs the VAR model to investigate the impact of population aging on household savings rate,corporate savings rate and government savings rate.The empirical results show that:the aging of the population has the greatest impact on the corporate savings rate,with the impact being first negative then positive,and secondary impact on the government savings rate,with a positive effect followed by a negative effect,and the least impact on the household savings rate,with the effect being first positive then negative.Therefore,in order to cope with the impact of population aging on various savings rates,it is recommended to implement the cultivation of innovative talents,industrial structure upgrading,improve endowment insurance,establish an old-age financial system,develop a silver-haired industry and an elastic retirement system.

关 键 词： 人口老龄化 储蓄率 居民储蓄率 企业储蓄率 政府储蓄率 生命周期 储蓄

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