社会资本视角下农民参与新农保的影响因素研究

发布时间：2018-06-14 22:52

本文选题：社会资本 + 新农保参与　；参考：《中国海洋大学》2013年硕士论文

【摘要】：随着经济社会的发展,农村大量劳动力转移,农村出现大量留守老人以及所谓的“空心化”,农村老年人的养老问题日益严峻。社会保障是现代国家的一项基本政策或者经济制度,是国家安定的重要保障,也是社会文明进步的重要尺度。国家为实现“老有所养”这一广大群众的期盼以及社会保障的目标,国务院于2009年决定试行开展新型农村社会养老保险。新农保的政策效果,是通过农村居民的广泛参与来实现的。但是新农保是一种自愿保险,农民基于自己的意愿来决定是否参加新农保。因此研究影响农民参保的影响因素具有重大意义。国内已有研究多从经济视角对农民参与新农保的影响因素进行分析,或者基于对农民的个体及家庭特征等进行调查分析,而忽视了农村社会所具有的非经济因素社会资本的影响。本文通过在社会资本视角下对农民参与新农保的影响因素进行研究。首先,通过大量的文献整理,建立了社会资本与新农保参与的分析框架。社会资本是镶嵌在社会网络中的产生于社会互动的一种资源,它不同于物质资本和人力资本,社会资本存在于社会网络人际关系中,它包括信任、互动、规范、网络、互惠等几个主要维度。农民参与新农保,将其看做一个决策过程,包括信息搜寻、评价、做出参保行为。其次,对社会资本影响农民参与新农保的机理进行分析。社会资本可以降低参与新农保的交易成本,可以通过羊群效应对农民个体的参保行为产生影响。再次,对社会资本与新农保参与的维度进行确定并对其相应指标予以测量。本文借鉴大量已有的成功经验,并结合我国具体国情的基础上,确定了社会资本的衡量指标。最后,通过采取问卷调查获得的样本数据,对社会资本对农民参与新农保的影响进行实证分析。通过对样本地区的问卷调查,发放问卷400份,有效问卷386份。根据调查获得的数据,运用回归方法对社会资本影响农民参与新农保进行实证分析。实证分析结果发现,社会资本能够提高信息了解程度、对新农保的评价,并最终提高农民的参保积极性与参保率。本文主要结论有,社会资本是一个对维度的概念,它包括信任、互惠、互动、规范以及网络等几个主要维度；社会资本对农民参与新农保具有正效应,不过社会资本的各个维度对新农保参与的各个阶段所产生的影响机制不尽相同：信任降低信息获取的交易成本,互动产生羊群效应,互惠具有互补效应和替代效应,规范具有调节作用等。
[Abstract]:With the development of the economy and society, a large number of rural labor force is transferred, a large number of elderly people remain in the countryside and the so-called "hollow". The old-age problem of the elderly in the rural areas is becoming increasingly serious. Social security is a basic policy or economic system of the modern country. It is an important guarantee for the stability of the country and an important measure of the progress of social civilization. In 2009, the State Council decided to carry out a new rural social endowment insurance in order to realize the expectation of the broad masses and the goal of social security.
The effect of the new agricultural insurance policy is achieved through the extensive participation of the rural residents. However, the new agricultural insurance is a voluntary insurance, and the farmers decide whether to participate in the new agricultural insurance based on their own wishes. Therefore, it is of great significance to study the influence factors of the farmers' participation in insurance. The impact factors are analyzed, or based on the investigation and analysis of farmers' individual and family characteristics, and the influence of social capital on non economic factors in rural society is ignored. This paper studies the influence factors of farmers' participation in the new agricultural insurance from the perspective of social capital.
First, through a large number of documents, we set up an analytical framework for the participation of social capital and new agricultural insurance. Social capital is a kind of resource inlaid in social network. It is different from material capital and human capital. Social capital exists in the social network. It includes trust, interaction, norms, network, and mutual relations. Farmers participate in the new rural social security system and regard it as a decision-making process, including information search, evaluation, and insurance participation.
Secondly, the mechanism of social capital affecting farmers' participation in the new agricultural insurance is analyzed. Social capital can reduce the transaction cost of participating in the new agricultural insurance, and can affect the farmers' individual participation through the herd effect.
Thirdly, the dimensions of the participation of social capital and new agricultural insurance are determined and the corresponding indicators are measured. This paper draws on a large number of successful experiences and combines with the specific national conditions of our country to determine the measure of social capital.
Finally, through the sample data obtained by the questionnaire survey, the impact of the social capital on Farmers' participation in the new agricultural insurance was empirically analyzed. Through the questionnaire survey on the sample area, 400 questionnaires were issued and 386 valid questionnaires were issued. The empirical analysis shows that social capital can improve the level of information understanding, evaluate the new rural social security system, and ultimately improve the enthusiasm and participation rate of farmers' participation in insurance.
The main conclusion of this paper is that social capital is a concept of dimension to the main dimensions of trust, reciprocity, interaction, norm and network. Social capital has a positive effect on Farmers' participation in the new agricultural insurance, but the impact mechanism of social capital on the various stages of the participation of new agricultural insurance is different: trust Reduce the transaction costs of information acquisition, interaction produces herding effect, reciprocity has complementary effects and substitution effects, and norms have moderating effect.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;F323.89

【参考文献】