新型农村养老保险制度实施中农民参保意愿影响因素研究

发布时间：2018-06-03 13:05

本文选题：新型农村养老保险 + 政府责任　；参考：《安徽大学》2013年硕士论文

【摘要】：根据2010第六次普查数据显示,全国60周岁以上老年人数已达1.7765亿,占总人口的比重达到了13.26%。我国年龄老龄化严重,家庭保障及土地保障功能逐渐弱化,养老保障面临着严峻挑战。我国长期城乡二元结构,导致我国城乡社会保障存在明显差距,为了构建社会和谐,从公平公正的角度出发,我国农村社会养老保险的问题迫在眉睫。2009年国务院办公厅发布《国务院关于开展新型农村社会养老保险试点的指导意见》。《意见》提出加快建立覆盖城乡居民的社会保障体系的要求,逐步解决农村居民老有所养问题。决定在全国10%的县(市、区、旗)试行农民社会养老保险,计划在2020年之前基本实现对农村适龄居民的全覆盖。安徽省作为农业大省,农村人口众多,农村老龄化问题突出,作为新型农村养老保险试点,实施过程中也出现诸多问题。本文围绕农村养老保险制度建设这一主线,试图寻找农村养老保险实施过程中的制约因素,明确制度推广过程中各参与主体的互动作用。通过理论研究和实证研究,分析农民参与农村社会养老保险受何种因素影响,论证农村养老保险制度建设过程中各级政府应承担的责任,政府应如何更好的建立完善农村养老保险制度。本文共分为六章,第一章介绍了本文的选题背景、研究目的和意义,对已有相关研究进行综述突出本研究的创新处,同时明确本研究的主要研究内容、研究方法和技术路线。第二章介绍了农村社会养老保险制度相关的理论,为课题的研究奠定了坚实的基础。第三章介绍了我国农村养老保险的历程,明确新型农村养老保险实施的背景,为农民的表现提供合理的解释。第四章通过设计调查问卷,对安徽省部分试点进行调研,将数据进行统计分析,对农民参与新农保的意愿受何种因素影响提出基本的假设。第五章基于安徽省四个县调研数据,运用二项logistic回归模型对农民参与新农保意愿的影响因素进行分析,结果表明：农民的性别、年龄、文化程度、家庭子女数、政府重视程度、制度设计、需求强度、收益预期8个因素对欠发达地区农民参保意愿有显著影响,而农民人均土地面积、人均年收入、人均结余、农户类型、农民了解程度等其他因素对农民参保意愿无显著性影响。第六章基于上述结论,为了保障新农保制度的顺利实施,提出如下建议：1.保持政策的稳定性、连续性；2.加强政策实施推广工作的重视3.明确各级政府的责任,包括制度设计责任、经济责任、法律责任、监督责任、实施责任。
[Abstract]:According to the data from the sixth census in 2010, the number of elderly people over 60 years old in China has reached 177.65 million, accounting for 13.26 percent of the total population. In China, the aging age is serious, the function of family security and land security is weakening gradually, and the pension security is facing severe challenges. China's long-term urban-rural dual structure has led to a clear gap between urban and rural social security. In order to build a harmonious society, we should proceed from the perspective of fairness and justice. In 2009, the General Office of the State Council issued the "guidance opinion of the State Council on the pilot of the New Rural Social Old-age Insurance". Will protect the requirements of the system, We will gradually solve the problem of a sense of security among rural residents. It has been decided to try out social old-age insurance for farmers in 10 percent of counties (cities, districts and banners) in the country, and the plan is to basically achieve full coverage of rural residents of appropriate age by 2020. As a large agricultural province, Anhui Province has a large rural population, the problem of rural aging is prominent, as a new type of rural old-age insurance pilot, there are also many problems in the implementation process. Focusing on the main line of rural old-age insurance system construction, this paper tries to find out the restrictive factors in the process of implementing rural old-age insurance, and make clear the interactive role of each participant in the process of system popularization. Through theoretical and empirical research, this paper analyzes the factors affecting farmers' participation in rural social old-age insurance, and demonstrates the responsibility of governments at all levels in the process of rural old-age insurance system construction. How should the government better establish and improve the rural old-age insurance system. This paper is divided into six chapters. The first chapter introduces the background, purpose and significance of this paper, summarizes and highlights the innovation of the existing research, and defines the main research content, research methods and technical route. The second chapter introduces the theory of rural social endowment insurance system, which lays a solid foundation for the research. The third chapter introduces the course of the rural old-age insurance in China, defines the background of the implementation of the new rural old-age insurance, and provides a reasonable explanation for the performance of the farmers. The fourth chapter through the design of questionnaires to some pilot projects in Anhui Province to carry out statistical analysis of the data to the farmers' willingness to participate in the new rural insurance by what factors are affected by the basic assumptions. The fifth chapter is based on the investigation data of four counties in Anhui Province, using two logistic regression model to analyze the influencing factors of farmers' willingness to participate in new rural insurance. The results show that: farmers' gender, age, education level, number of family children, the degree of government attention. The system design, demand intensity and income expectation have significant influence on farmers' willingness to participate in insurance in less developed areas. Other factors, such as farmers' level of understanding, had no significant effect on farmers' willingness to participate in insurance. Chapter VI based on the above conclusions, in order to ensure the smooth implementation of the new rural insurance system, put forward the following recommendations: 1. Maintain policy stability and continuity. We should pay more attention to the promotion of policy implementation. Clear responsibility of all levels of government, including system design responsibility, economic responsibility, legal responsibility, supervision responsibility, implementation responsibility.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67

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