家庭负债如何影响老年人口劳动参与How Does Household Debt Affect the Labor Participation of the Elderly Population
张诚,凌晓红,翁希演
摘要(Abstract)：
在人口老龄化程度不断加深和居民部门负债快速上升的背景下，本文采用中国家庭追踪调查(CFPS)数据，探讨家庭负债对老年人口劳动参与的影响。实证分析结果表明，家庭负债对老年人口退休产生负向效应，且对老年人口劳动参与产生正向效应。机制分析结果表明，为缓解负债引发家庭陷入信贷约束和流动性约束，老年人口倾向于增加劳动供给和延迟退休。此外，异质性分析结果表明，家庭负债对受教育水平较低、身体健康、拥有住房以及子女收入水平较低的老年人口劳动参与决策影响更为显著。本文研究为理解老年人口的劳动参与决策及延迟退休提供了新的视角，为相关部门制定老年人口方面的就业政策提供有益参考。
关键词(KeyWords)： 家庭负债;老年人口劳动参与;信贷约束;流动性约束
基金项目(Foundation): 国家自然科学基金项目“共同富裕背景下家庭负债行为及对经济不平等的影响研究”(项目编号:72203136);; 广东省哲学社会科学规划青年项目“电商发展与农户消费差距:理论机制、实证检验与政策优化研究”(项目编号:GD24YYJ27);; 汕头大学科研启动经费项目“中国家庭负债行为研究”(项目编号:STF21003);; 广东省自然科学基金项目“共同富裕背景下家庭负债核算、风险测度及对经济不平等的影响研究”(项目编号:2021A1515110956)的资助
作者(Author): 张诚,凌晓红,翁希演
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- (1)限于篇幅,结果留存备索。