老年人收入对养老模式选择的影响探究——基于2018年CLASS数据的检验
Research on the Influence of the Income of the Elderly on the Choice of Pension Mode—Test Based on CLASS Data in 2018

我国人口老龄化程度的不断加深，对我国养老服务体系和老龄事业发展提出了新的要求，全国各地都在积极探索新的养老模式。基于2018年中国老年社会追踪调查(CLASS)数据，研究分析了老年人个人总收入、养老金收入水平和不同的收入来源对我国老年人养老模式选择的影响，发现老年人收入中各要素对其养老模式选择均产生显著影响。基于健康老龄化视角，从医养结合、银发经济、多元化和多渠道的投入机制三方面对完善我国养老服务体系并优化养老模式提出可干预的举措。
The deepening of China’s aging population has put forward new requirements for the development of China’s pension service system and the cause of aging, and all parts of the country are actively exploring new pension models. Based on the data of CLASS in 2018, this paper analyzes the influence of the total personal income, pension income level and different income sources of the elderly on the choice of pension mode for the elderly in China, and finds that all factors in the income of the elderly have a significant impact on their choice of pension mode. Based on the perspective of healthy aging, this paper puts forward intervention measures to improve China’s pension service system and optimize the pension model from three aspects: the combination of medical care and maintenance, the silver-haired economy, and the diversified and multi-channel investment mechanism.