保障替代、代际契约与信息引致:“以房养老”参与意愿的影响因素——基于武汉市中老年人调查数据的实证分析

人口研究 ›› 2017, Vol. 41 ›› Issue (1): 46-58.

保障替代、代际契约与信息引致:“以房养老”参与意愿的影响因素——基于武汉市中老年人调查数据的实证分析

熊景维¹，钟涨宝²，李奥奇³

华中农业大学农村社会建设与管理研究中心

出版日期:2017-01-29 发布日期:2017-04-18
作者简介:熊景维，华中农业大学农村社会建设与管理研究中心、社会工作系讲师; 钟涨宝，华中农业大学农村社会建设与管理研究中心、社会学系教授; 李奥奇，华中农业大学社会工作系学生。
基金资助:
得到国家社科基金青年项目“农民工市民化优先瞄准对象的甄别评估体系构建研究” ( 项目编号: 14CSH024) 和华中农业大学 2014 年全国大学生创新创业训练计划创新训练项目“武汉市老年人参与‘以房养老’意愿影响因素的实证研究” ( 编号:201410504096) 资助。

Security Replacement，Inter-Generation Contract and Information Inducement: Determinants of Intention of Participating in Housing Reverse Mortgage Based on Survey Data from Wuhan

Xiong Jingwei¹,Zhong Zhangbao²,Li Aoqi³

Center for Rural Social Construction and Management Studies,Huazhong Agricultural University

Online:2017-01-29 Published:2017-04-18
About author:Xiong Jingwei is Lecturer，Department of Social Work，Center for Rural Social Construction and Management Studies，Huazhong Agricultural University．Zhong Zhangbao is Professor，Department of Sociology，Center for Rural Social Construction and Management Studies，Huazhong Agricultural University．Li Aoqi is Undergraduate Student，Department of Social Work，Huazhong Agricultural University．

摘要/Abstract

摘要： “以房养老”是将老年人在年轻时积累的存量财富置换为养老现金流的新型养老保障形式。运用武汉市中老年人的调查数据,文章实证估计了老年人“以房养老”参与意愿的影响因素,结果发现:老年人的收入状况对其“以房养老”参与意愿有显著负向影响;代际关系因素显著影响老年人“以房养老”的参与意愿,其中子女的支持态度呈正向影响,而子女数量及经济状况呈负向影响;老年人对“以房养老”政策相关信息的了解程度及其需求认知的强化特征,均对其参与意愿有显著的正向影响。结果揭示了在老年人“以房养老”意愿的生成机制中,存在着收入替代效应、代际经济契约关系的约束效应和基于信息-风险评价的需求引致效应。

关键词: "以房养老", 保障替代, 代际约束, 信息引致

Abstract: Housing reverse mortgage is a new old-age provision model replacing the elders’assets built during their working time with cash flow so as to promote security．The article conducts ordered Probit and Logistic models to investigate the influencing factors of the intention of elderly people to participate in reverse mortgage based on a survey data obtained from Wuhan．The findings include: ( 1) the elders’monthly income has a significant negative effect on their intention of participating in reverse mortgage．( 2) Inter-generation factors have significant effects on the elders’participation intention．Specifically，children’s supports of the mortgage impose a positive effect on the elders’participation intention，while the numbers and the economic status of the children present a negative effect．( 3) Information and knowledge about the mortgage also have a significant positive effect on the elders’participation intention，as well as their ‘reinforced cognition’to the mortgage need．The empirical analyses confirm three intriguing mechanisms in the process of the willingness inducement，i．e．，the security replacement effect，the inter-generation relationship restricted effect，and the information induced effect．

Keywords: Housing Reverse Mortgage, Security Replacement, Inter-generation Constraint, Information Inducement

熊景维，钟涨宝，李奥奇. 保障替代、代际契约与信息引致:“以房养老”参与意愿的影响因素——基于武汉市中老年人调查数据的实证分析[J]. 人口研究, 2017, 41(1): 46-58.

Xiong Jingwei,Zhong Zhangbao,Li Aoqi. Security Replacement，Inter-Generation Contract and Information Inducement: Determinants of Intention of Participating in Housing Reverse Mortgage Based on Survey Data from Wuhan[J]. Population Research, 2017, 41(1): 46-58.