中文摘要：

应用CHARLS 2011/2013全国基线调查数据,研究我国现行社会养老对老年人医疗消费行为的影响。模糊断点回归结果显示,养老金提高了老年群体的住院医疗服务利用,有效挤入了老年人的医疗服务消费,而且与基本医疗保险存在互补作用;进一步研究证明,养老金对家户医疗消费水平没有显著影响,但是改变了家庭消费结构,增加了个人医疗支出占家户总消费的比例,一定程度上缓解了老年参保群体的家庭医疗开支压力。因此,政府在实现社会保障体系全民覆盖的同时,有必要探索适合我国国情和传统文化的社会养老保障体系,实现养老模式的互补,缓解人口老龄化对基本养老账户和医保基金支付的潜在压力,促进基本养老保险、企业年金和商业保险三大支柱比例的合理化,提高养老保障水平,形成社会养老保险的长效机制。

英文摘要：

Using data from China Health And Retirement Longitudinal Study（ CHARLS） and employing fuzzy regression discontinuity method,this paper evaluates the effect of public pension system on elder＇s behavior of medical consumption. Empirical results shows that pension increases elder＇s utilization of inpatient and efficiently crowed in elder＇s medical utilization and complement basic medical insurance. Further studies show that pension have no effect on the household＇s medical consumption level,but it changes the structure of household＇s medical consumption and increases the individual＇s medical expenditure,so it can moderates medical expenditure of the insured elders.Thus,encouraging overall coverage as well as exploring the optimal public pension system,which contained basic pension,supplemental pension of firm and commercial pension,forming a persistent mechanism for pension system in China can relieve the potential pressure of aging on pension.