本文利用2011年中国家庭金融调查数据(CHFS),分析了不同的养老保障类型对城镇家庭消费量及其消费结构的影响。研究发现:与没有社会养老保障的家庭相比,参保家庭的消费支出将增加19.2%,拥有退休工资的家庭将增加20.7%;从不同家庭类型来看,社会养老保障对低收入、老年组的消费促进作用显著;而在消费占比上,家庭用品的消费支出占比相比没有社会保障的家庭显著增加。 In this paper, we use the Chinese Family Financial Survey 2011 data (CHFS) to analyze the impact of different pension types on urban household consumption and its consumption structure. The study found that compared with families without social pension insurance, the consumption expenditure of insured families will increase by 19.2% and that of families with retirement wages will increase by 20.7%. From different family types, the social pension insurance will affect low-income and elderly groups Of the consumer promotion effect is significant; while in the proportion of consumption, the proportion of consumer spending on household products compared to non-social security households increased significantly.