人口研究 ›› 2018, Vol. 42 ›› Issue (2): 70-83.

• 论文 • 上一篇    下一篇

中国老年人的养老规划研究

张文娟1,纪竞垚2   

  1. 张文娟中国人民大学老年学研究所副教授
  • 出版日期:2018-03-29 发布日期:2018-05-18
  • 通讯作者: 纪竞垚(通讯作者),中国人民大学社会与人口学院博士研究生。
  • 作者简介:张文娟,中国人民大学老年学研究所副教授
  • 基金资助:
    本文受国家自然科学基金重大项目老龄社会的人口学基础研究”(项目号71490731资助

A study on the Financial Planning of the Chinese Elderly for Later Life

Zhang Wenjuan1 and Ji Jingyao2   

  1. Zhang Wenjuan is Associate ProfessorInstitute of GerontologyRenmin University of China
  • Online:2018-03-29 Published:2018-05-18
  • Contact: Ji Jingyao is PhD Candidate,School of Sociology and Population Studies,Renmin University of China.
  • About author:Zhang Wenjuan is Associate Professor, Institute of Gerontology, Renmin University of China

摘要: 文章基于 2014 中国老年社会追踪调查”(CLASS数据探讨了我国老年人养老规划安排的现状特点揭示了老年人群养老规划行为的内部异结果显示中国老年人普遍缺乏对老年期的养老规划和准备在少数进行过规划和准备的人群中现金储蓄仍是其最主要的经济准备手但城乡老年人群的养老规划行为存在显著差异投资理财和土地流转各有所侧重研究还发现不同出生队列不同特征以及身处不同社会环境下的老年人的养老规划也存在明显差别东部地区城市生队列较晚的老年人更可能提前做出养老规划老年人养老规划行为的内部差异与其所经历的社会情境有关而这些社会情境与老年人个体特征个体能力相互作用共同影响着老年人的养老规划

关键词: 老年人, 养老规划, 队列分析, 生命历程

Abstract: Employing data from 2014 China Longitudinal Aging Social Survey CLASS),this paper analyzes the situation and characteristics of financial planning behavior of Chinese elderly for their laterlives.Furthermorethis paper explores the heterogeneity of the Chinese elderly in their financial planning behavior and identifies the ones with high inclination to conduct financial planning.The results reveal that cash savings are still the most important way of financial preparation for the elderly.Elderly in urban and rural areas show high preference for financial investment and land transaction respectively.Significant diversity can be found in the planning behavior of the elderlysuch as the differences in financial planning among the elderly in different cohorts and with different characteristics and social situations.The elderly
live in eastern areacitiesand the cohort who gave birth late are more likely to make financial planning.Meanwhilesocial situations interacting with elderly??s characteristics and individual capacity affect their fi?
nancial planning.

Keywords: The Elderly, Financial Planning, Cohort Analysis, Life Course