2512 
3053基于2004—2014年的月度频率中国城镇住户调查，文章评估了失业冲击对中国城镇家庭消费的影响，以及各类消费保险机制的相对重要性。结果显示：第一，在遭遇失业冲击的6个月内家庭收入平均下降25%，但是消费仅下降了6%，说明城镇家庭的自我保险较好地应对了失业冲击。第二，200多项消费支出项目中，饮食服务、交通通信、医疗和耐用品下降最为显著，可以解释消费降幅的94%。第三，失业保险等社会保障以及改革开放以来经济高速增长所积累的家庭财富对消费平滑发挥了重要作用，而亲友或银行借贷、配偶劳动供给等影响较小。需要指出的是，尽管失业对家庭消费支出的短期影响较小，但鉴于失业保险金的领取期限最长为24个月，且家庭储蓄等资源会逐渐消耗，因此仍需高度重视并防范家庭长期失业的风险。
失业何以影响中国城镇家庭消费？
摘要
参考文献
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赵达, 郭镜元, 宋泽. 失业何以影响中国城镇家庭消费？[J]. 上海财经大学学报, 2024, 26(4): 92-106.
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