吕有吉
吕有吉 Youji Lyu

Associate Professor of Risk Management and Insurance

Nankai University

About Me

Youji Lyu is an Associate Professor of Risk Management and Insurance at the School of Finance, Nankai University. His research focuses on social security, population ageing, and behavioral economics, especially the connections between economics, demography, politics, and culture.

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Interests
  • Social Security
  • Population Ageing
  • Behavioral Economics
Education

  • PhD in Risk Management and Insurance

    Peking University

  • BA in Economics

    Nankai University

Research Interests

My research focuses on social security, population ageing, and behavioral economics.

  • Social security: pension reform, long-term care insurance, and policy evaluation.
  • Population ageing: health transitions, old-age support, and chronic disease management.
  • Behavioral economics: expectation bias, social networks, learning from experience, and loss aversion.
Publications

Peer-reviewed and accepted journal articles. Citation details and acceptance status follow the current CV.

  • 此消彼长：生育住院医保支付方式改革对住院与门诊服务的影响. 王小倩、马旌搏、吕有吉 (2026). 保险研究, 接收待刊.

  • The Role of the Health Effect in Estimating the Willingness to Pay for Long-Term Care Insurance. Zining Liu, Youji Lyu, Wei Zheng, and Yi Yao. Journal of Risk and Insurance, accepted.

  • The Impact of Parents’ Public Sector Jobs on Children’s Marital Stability: Evidence from China. Youji Lyu, Yuxuan Li, and Yanran Chen (2025). Applied Economics, accepted.

  • 养老保险能缓解农村老人的社会关系排斥吗？——来自 CHARLS 的证据. 郑伟、于梦迪、吕有吉 (2025). 保险研究, 接收待刊.

  • 隔代照料对祖父母劳动供给的影响——来自中国城市劳动力调查的证据. 韩笑、吕有吉 (2025). 劳动经济研究 (03): 139–168.

  • Grandchild Care and Grandparents’ Labor Supply. Yanran Chen and Youji Lyu (2025). Economic Modelling, accepted.

  • 长期护理保险对养老模式的影响——基于经济独立和居住独立的双重视角. 刘子宁、周桦、吕有吉 (2024). 金融研究 (08): 188–206.

  • The Role of the Peer Effect in Forming Pension Expectations among the Middle Aged: Existence and Mechanisms. Zining Liu, Youji Lyu, Wei Zheng, and Yi Yao (2024). Journal of Pension Economics and Finance, accepted.

  • 老农保参保经历会提升养老金预期准确性吗？来自 CHARLS 的证据. 吕有吉、郑伟、谢志伟 (2023). 金融研究 (12): 113–131.

  • 中老年慢性病对配偶劳动力市场表现的影响. 郑伟、谢志伟、吕有吉、韩笑 (2023). 保险研究 (05): 70–81.

  • 人口老龄化、再分配政策与经济增长——基于政治经济一般均衡分析. 景鹏、吕有吉、王明璐 (2023). 财贸研究 34(03): 1–14.

  • The Impact of Expected Pensions on Consumption: Evidence from China. Wei Zheng, Youji Lyu, Ruo Jia, and Katja Hanewald (2023). Journal of Pension Economics and Finance 22(1): 69–87.

  • Expectation-Based Loss Aversion in Contests. Qiang Fu, Youji Lyu, Yuanjie Zhang, and Zenan Wu (2022). Games and Economic Behavior 133: 1–27.

  • 中国人口慢性病的总体状况与群体差异. 郑伟、韩笑、吕有吉 (2022). 社会科学辑刊 (03): 139–149+209.

  • 公共养老金与居民养老财富储备关系探析——基于文献述评的方法. 郑伟、吕有吉 (2021). 社会科学辑刊 (02): 148–159+209.

  • 人口老龄化、养老保险基金缺口弥补与经济增长. 吕有吉、景鹏、郑伟 (2021). 金融研究 (01): 51–70.

  • 长期护理保险制度的评估框架及应用：基于三个案例的分析. 郑伟、姚奕、刘子宁、吕有吉 (2020). 保险研究 (10): 65–78.

Working Papers

  • Grandchild Care and Grandparents’ Health. Youji Lyu. Revise and resubmit at Health Economics.

  • Clan Culture and Commercial Health Insurance Demand. Yuxuan Li and Youji Lyu. Revise and resubmit at Applied Economics; presented at the 2025 WRIEC Conference.

  • Social Health Insurance and Socioeconomic Inequalities in Health: Evidence from China. Yuxuan Li, Youji Lyu, and Wei Zheng. Revise and resubmit at The Geneva Papers on Risk and Insurance – Issues and Practice.

  • 基本养老保险制度参量改革与预期管理的协同效应分析. 吕有吉、李雨轩、郑伟. 重大修订.

  • Cost-Induced Innovation and Within-Firm Wage Gap. Kai Kang, Youji Lyu, and Xiaolin Zhang. Work in progress; 2025 赛瑟论坛优秀论文奖.

  • The Impact of Kindergarten Expansion on Multi-Generational Labor Supply. Youji Lyu and Xiaoqian Wang. Work in progress.

  • 专利质押与企业脱虚向实——来自专利质押融资试点的证据. 康凯、吕有吉. 工作论文.

  • 财政资金杠杆效应的放大器——保险服务科创的新理论与新发现. 郑伟、吕有吉. 工作论文.

  • Social Insurance Contribution and Corporate Financialization. Xia Du, Kai Kang, Youji Lyu, and Xiaoqian Wang. Work in progress.

Public Research Grants

  • 延迟退休、养老保险降费与收入不平等演化 — 国家自然科学基金青年科学基金项目；课题负责人，2023–2025.

  • 中国农村人口养老问题研究 — 南开大学人文社会科学基本科研业务费专项资金项目；课题负责人，2022–2023.

  • 参赛者异质性与竞赛设计 — 国家自然科学基金项目；参与，2022–2025.

  • 中国特色多层次养老保障体系研究 — 教育部人文社会科学重点研究基地重大项目；参与，2023–至今.

  • 社会保险缴费基数调整的资源配置功能、收入分配效应与政策协同机制研究 — 国家自然科学基金项目；参与，2024–2026.

Teaching

  • Risk Management and Insurance / 风险管理与保险学 — Undergraduate, required for RMI majors; 2024–present.

  • Property and Liability Insurance / 财产与责任保险 — Undergraduate, required for RMI majors; 2022–present.

  • Insurance Law / 保险法学 — Undergraduate elective; 2022–present.

  • Practice of Life and Health Insurance / 人寿与健康保险实务 — Undergraduate elective; 2022–2024.

  • Insurance Demand / 保险消费学 — Graduate elective; 2023–present.

  • Advanced Insurance Economics / 高级保险学 — Graduate elective; 2023–present.

  • Frontiers in Economics of Aging and Health / 养老与健康经济学前沿 — Graduate and PhD elective; 2026–present.

  • Advanced Microeconomics (I) / 高级微观经济学（一） — PhD required course; 2024–2025.

  • Theory and Policy of Pension / 养老金理论与政策 — Graduate, required course; 2026–present.