黑龙江农民参加新型农村养老保险意愿研究

发布时间：2018-06-28 12:06

本文选题：新型农村养老保险 + 农村　；参考：《东北农业大学》2013年硕士论文

【摘要】：我国早于1999年进入老龄化社会，且我国老龄化速度不但大于国家人口增长速度，还大于世界的老龄化速度，我国老龄化在急速加快。在我国城乡一体化、工业化、老龄化程度不断加快的背景下，家庭养老功能弱化，土地保障功能削弱，广大农村地区迫切需要建立一套完善的养老保险制度来保障晚年生活。而建立完善的农村社会养老保险制度关系到农村、农业和农民的切身利益，由于我国城乡二元结构的特殊国情，城市和乡村的收入差距越来越大，在经历了农村支持城市建设之后，我国城市有能力而且有责任以工带农，以城市养农村。我国城镇养老保障体系不断完善，农村社会保障体系，特别是养老保险体系相对欠缺。黑龙江省作为全国的农业大省，其农村人口老龄化程度大于其它省份。农民养老问题更是严峻，虽然农村养老保险制度建立与完善也有20个年头了，但其工作基本处于停滞状态，2009年国家颁布了新型农村养老制度，满足了广大农民养老的需求。但是由于农村劳动力不断向城市转移，土地不断地被征收，进行着商品化的过程，而大部分的中国农民都是依靠土地养老，因此发展新型的农村养老保险制度是大势所趋。农民参保的意愿直接影响着农民的主体行为，新农保制度要实现农村适龄居民的全覆盖，研究农民的参保意愿就显得至关重要，有针对性的对新农保的推行提出建议，建立真正为农民养老服务的保险制度。本文首先对农村养老保险的研究背景和意义、研究的内容和思路方法等进行阐述，并对农村养老保险的概念及相关的理论进行了界定，回顾了黑龙江农村社会养老保险的发展历程，介绍了黑龙江省农村养老保险的运行现状及成就，并对黑龙江省农村养老保险试点的建设情况进行实地问卷调查。通过对黑龙江养老保险试点调查统计，从农民参保的各个环节进行描述性统计分析，分析了新农保试点运行时的一些问题。运用spass软件对调研结果进行logistic分析，分析影响农民参加养老保险意愿的因素，，对影响农民参与意愿的客观结构性因素以及影响农民参与行为的主体性因素进行探讨，得出影响农民参与意愿的显著性因素，并提出了一系列的对策、建议，有效提高农民参保意愿。目前正是新型农村养老保险实施的初步阶段，此次调查研究，希望能为黑龙江省新型农村养老保险的实施推广提供理论和现实依据。
[Abstract]:Our country entered the aging society as early as 1999, and the aging speed of our country is not only larger than the national population growth speed, but also bigger than the aging speed of the world. The aging of our country is speeding up rapidly. Under the background of urban-rural integration, industrialization and aging, the function of family pension is weakened, and the function of land security is weakened. It is urgent to establish a set of perfect pension insurance system to ensure the life of old age in rural areas. The establishment of a perfect rural social endowment insurance system relates to the vital interests of rural areas, agriculture and farmers. Due to the special national conditions of the dual structure of urban and rural areas, the income gap between cities and villages is increasing. After experiencing the rural support urban construction, our country city has the ability and the responsibility to take the agriculture by the industry, to raise the countryside by the city. The rural social security system, especially the old-age insurance system, is relatively lacking. As a big agricultural province in China, Heilongjiang Province has a more aging rural population than other provinces. Although the rural old-age insurance system has been established and perfected for 20 years, its work is basically stagnant. In 2009, the state promulgated a new rural old-age pension system to meet the needs of the majority of farmers. However, because the rural labor force is constantly transferred to the city, the land is continuously expropriated and commercialized, and most Chinese farmers rely on the land for the aged, it is the trend of the times to develop a new type of rural old-age insurance system. The willingness of farmers to participate in insurance directly affects the main behavior of farmers. In order to realize the full coverage of rural residents of appropriate age, it is very important to study the willingness of farmers to participate in insurance. Establish the insurance system that truly serves for farmer endowment service. In this paper, the background and significance of rural old-age insurance research, research content and ideas and methods are described, and the concept of rural old-age insurance and related theories are defined. This paper reviews the development of rural social endowment insurance in Heilongjiang Province, introduces the present situation and achievements of rural old-age insurance in Heilongjiang province, and makes a questionnaire survey on the construction of rural old-age insurance in Heilongjiang Province. Based on the investigation and statistics of the pension insurance in Heilongjiang province, this paper analyzes the problems in the operation of the new rural insurance system from the aspects of farmers' participation in the insurance. Using spass software to analyze the investigation result by logistic, analyze the factors that affect farmers' willingness to participate in old-age insurance, and discuss the objective structural factors that affect farmers' participation intention and the subjective factors that affect farmers' participation behavior. The significant factors influencing farmers' willingness to participate in insurance are obtained, and a series of countermeasures and suggestions are put forward to effectively improve farmers' willingness to participate in insurance. Now is the initial stage of the implementation of the new rural old-age insurance, this investigation and research, hope to provide theoretical and practical basis for the implementation of the new rural old-age insurance in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67

【相似文献】