本书从对消费资本论研究成果的梳理入手，对消费养老保险的含义作出界定，揭示消费养老保险的产生、演进、内在机理，论证消费养老保险在我国开展的可行性，既丰富了消费养老保险理论体系，又为充分巩固补充养老保险在养老金体系建设中的地位提供了理论支持。相较已有的研究成果，本书在以下几个方面取得了进步。

第一，现有的消费养老保险理论研究尚停留在提出概念的阶段，国内外学者的理论研究基础是消费资本论，虽然消费资本论中“消费行为也是投资行为”的核心思想是消费养老保险概念提出的本源，但消费养老保险模式能否成功构建取决于政府、企业和居民三方参与主体内部以及相互之间的利益博弈，本书在对其内在机理的研究中，以消费资本论、公共产品理论和信息不对称理论为支持，厘清三方主体的利益博弈关系，提炼内在运行机理，有助于消费养老保险理论体系构建的完整性。

第二，现有研究中以消费养老保险在部分试点地区运用的经验为研究对象，针对其在我国实施的可行性论证的研究较少，本书充分考虑了在消费养老保险模式的运用条件中地方经济、财政、居民收支水平、消费习惯等因素所带来的经济、社会复杂性，开展可行性论证，力图有效识别消费养老保险模式的优势以及在实施过程中面临的困难和障碍，扬长避短，充分发挥其在养老金体系建设中的作用。

此外，本书研究的问题需要交叉运用社会学、经济学、管理学、计算机科学等多个学科的知识，研究成果对于促进跨学科知识融合、拓展学术视野也具有显著的作用。

Abstract

Based on the research findings of the Comsumption Capital Theory,this book defines the concept of the consumption endowment insurance,reveals its formation,evolution and internal mechanism,and demonstrates the feasibility of its application in China.By doing this,not only the theoretical framework of the consumption endowment insurance is enriched,but also consolidates the status of compensatory endowment insurance in the pension system construction.Compared with the existing research,this book makes a progress in the following aspects.

First,the research on the exiting consumption endowment insurance theory still stays in the stage of defining the concept.The research of scholars from home and abroad is based on the Consumption Capital Theory,even though the core issue of Consumption capital theory reveals that“consumer behavior is also a form of an investment behavior”,which puts forward the consumption endowment insurance concept,however,the possibility of building the consumption endowment insurance model successfully depends on the game relation among government,enterprises and residents,which constitute the main bodies.This book performs the research on its internal mechanism,supported by the Consumer Capital Theory,Public Goods Theory and Information Asymmetry Theory,clarifies the game relation among the participating bodies,refines the inner operating mechanism,and helps build the integrity of consumption endowment insurance theoretical system.

Second,the existing study on consumption endowment insurance re volves around the application experience in some pilot areas,however,the research on the feasibility of its implementation is scarce.This book gives full consideration to local economy,finance,residents' income level,consumption habits and other factors brought by the complexity of economy and society,carries out the feasibility analysis of consumption endowment insurance mode,effectively identifies the advantages,difficulties and obstacles in the implementation process,making best use of strengths and bypassing the weaknesses,so that its role in pension system construction could be fully played.

In addition,the research is crossed by Sociology,Economics,Management Science,Computer Science,and other disciplines of knowledge.Research findings may place strong significance on the merging of interdisciplinary knowledge and expanding academic horizons.