本文關(guān)鍵詞： 社會(huì)保障 自我保障 跨期資產(chǎn)配置 消費(fèi)貸款 生活質(zhì)量 居民消費(fèi)　出處：《四川理工學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版)》2017年04期 　論文類型：期刊論文

【摘要】：我國經(jīng)濟(jì)結(jié)構(gòu)正處于轉(zhuǎn)型的關(guān)鍵期,也是社會(huì)矛盾的多發(fā)期,完善的保障制度是化解社會(huì)矛盾、穩(wěn)定社會(huì)秩序的重要保證。為此必須建立多層次多樣性的保障體系,這是提高居民生活質(zhì)量、保障民生的必然選擇。文章從理論上梳理了社會(huì)保障、自我保障、資產(chǎn)跨期配置"三輪驅(qū)動(dòng)"影響居民生活質(zhì)量的邏輯機(jī)理,認(rèn)為從經(jīng)濟(jì)層面看,居民的生活質(zhì)量是與居民幸福相關(guān)的一個(gè)概念,而幸福與效用滿足程度有關(guān),居民消費(fèi)是滿足消費(fèi)者效用的主要路徑。這一邏輯的理論歸納為本文的實(shí)證研究奠定了基礎(chǔ),在這一理論支撐下,運(yùn)用2000-2014年省級(jí)城鎮(zhèn)居民面板數(shù)據(jù),沿著從被動(dòng)性保障到主動(dòng)性保障的主線,以社會(huì)保障、自我保障、跨期資產(chǎn)配置為核心解釋變量進(jìn)行了實(shí)證研究。研究發(fā)現(xiàn):社會(huì)保障與自我保障對(duì)我國城鎮(zhèn)居民生活質(zhì)量影響幾乎相當(dāng),但存在明顯的區(qū)域差異,東部地區(qū)居民生活質(zhì)量受自我保障影響較大,而中西部地區(qū)居民則對(duì)社會(huì)保障依賴較大;跨期資產(chǎn)配置保障并未幫助城鎮(zhèn)居民提高生活質(zhì)量,這可能跟"低收入者"是當(dāng)前我國消費(fèi)貸款主力軍有關(guān);居民主動(dòng)性收入高低、生活習(xí)慣是通過消費(fèi)進(jìn)而影響生活質(zhì)量的重要因素,但較高教育水平卻并未給居民帶來高品質(zhì)的生活,而且越是經(jīng)濟(jì)發(fā)達(dá)地區(qū)這一現(xiàn)象越明顯。根據(jù)這些研究結(jié)論,提出的政策建議為:我國現(xiàn)階段要全面覆蓋社會(huì)保障的"兜底"功能以保障人民的基本生存權(quán);鼓勵(lì)居民多渠道籌措資金,積極提升自我保障能力,從而提升生活質(zhì)量;要合理適度的發(fā)展消費(fèi)信貸,通過資產(chǎn)跨期配置平滑生命周期內(nèi)生活質(zhì)量的時(shí)間差異;完善收入分配機(jī)制與制度,形成全社會(huì)尊重勞動(dòng),激勵(lì)居民通過各種智力與非智力勞動(dòng)來創(chuàng)造幸福,從而提升生活質(zhì)量。
[Abstract]:China's economic structure is in a critical period of transformation, but also the frequent period of social contradictions, the perfect security system is to resolve social contradictions. To stabilize the social order, we must establish a multi-level and diversified security system, which is an inevitable choice to improve the quality of life of residents and ensure the people's livelihood. The article theoretically combs the social security, self-security. The logical mechanism of the "three-wheel drive" of asset allocation affects residents' quality of life. It is considered that the residents' quality of life is a concept related to residents' happiness, and happiness is related to the degree of utility satisfaction. Consumer consumption is the main way to satisfy the consumer utility. This logical theory has laid the foundation for the empirical research in this paper, under the support of this theory. Using the provincial residents panel data from 2000 to 2014, along the main line from passive security to active protection, to social security, self-protection. The empirical study shows that social security and self-protection have almost the same impact on the quality of life of urban residents in China, but there are obvious regional differences. The quality of life of the residents in the eastern region is greatly affected by self-security, while the residents in the central and western regions are more dependent on social security. Intertemporal asset allocation has not helped urban residents to improve their quality of life, which may be related to the fact that "low-income people" are the main force of consumer loans in China at present. Residents' active income and living habits are the important factors that affect the quality of life through consumption, but the higher education level does not bring the residents a high quality of life. According to the conclusions of these studies, the policy recommendations put forward are: our country should fully cover the "bottom" function of social security at the present stage to ensure the people's basic right to exist; Encourage residents to raise funds through multiple channels to actively enhance their ability to protect themselves and thus improve the quality of life; To develop consumption credit reasonably and moderately, the time difference of life quality in life cycle should be smoothed through asset allocation; Improve the income distribution mechanism and system, form the whole society respect labor, encourage residents to create happiness through all kinds of intellectual and non-intellectual labor, so as to improve the quality of life.
【作者單位】： 甘肅政法學(xué)院經(jīng)濟(jì)管理學(xué)院;
【基金】：國家社會(huì)科學(xué)基金資助項(xiàng)目(13XMZ030)
【分類號(hào)】：D632.1
【正文快照】： 一、問題提出目前,我國經(jīng)濟(jì)正處于結(jié)構(gòu)轉(zhuǎn)型的關(guān)鍵期,也是社會(huì)矛盾的突發(fā)期,做好居民生活保障工作是事關(guān)居民福祉、生存權(quán)利、全面建成小康社會(huì)的關(guān)鍵。更是擴(kuò)大居民消費(fèi)需求,實(shí)現(xiàn)經(jīng)濟(jì)結(jié)構(gòu)轉(zhuǎn)型和供給側(cè)結(jié)構(gòu)改革的內(nèi)在保障和動(dòng)力。改革開放以來,我國經(jīng)濟(jì)發(fā)展取得了巨大成就,綜合

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本文編號(hào)：1455460