新型农村社会养老保险参保行为的影响因素研究——基于河南省首批21个试点的调研

发布时间：2018-12-15 00:33

【摘要】：2009年以来,新型农村社会养老保险(以下简称"新农保")试点在全国范围内逐步展开。经过三年多的试点推行,新农保工作取得了不少成效,但是也存在着参保档次和参保率依然较低等问题,而研究农民参保行为的影响因素对改善此类问题尤为重要。本文基于2012年对河南省首批21个试点县(市、区)的调查数据,假设农民的参保行为主要受参保意愿、参保能力和待遇水平三种因素的影响,并通过逻辑回归模型进行验证,研究结果显示,"参保意愿"和"待遇水平"与参保行为呈正相关关系,与假设一致,而"参保能力"没有通过显著性检验,在现有缴费档次下,如果不考虑参保质量,参保能力对农民的参保行为影响较小,几乎可以忽略不计。因此,需要加大宣传力度,增加财政投入,同时加快发展农村经济,从而提高农民的参保积极性,促进新农保制度的可持续运行。
[Abstract]:Since 2009, the new rural social endowment insurance (hereinafter referred to as "New Rural Insurance") pilot in the national scope. After more than three years of pilot implementation, the new rural insurance has achieved a lot of results, but there are still some problems such as the level of participating in insurance and the rate of participating in the insurance, and it is particularly important to study the influencing factors of farmers' participation in the insurance behavior to improve this kind of problems. Based on the investigation data of the first 21 pilot counties (cities and districts) in Henan Province in 2012, this paper assumes that the farmers' participation behavior is mainly affected by three factors, namely, the willingness to participate in the insurance, the ability to participate in the insurance and the level of treatment, and it is verified by the logical regression model. The results show that "willingness to participate in insurance" and "level of treatment" are positively correlated with participating behavior and consistent with assumptions, while "ability to participate in insurance" has not passed the significance test. The ability of participating in insurance has little influence on farmers' behavior of participating in insurance, which can be ignored. Therefore, it is necessary to increase propaganda, increase financial input, and accelerate the development of rural economy, so as to improve the enthusiasm of farmers to participate in the insurance, and promote the sustainable operation of the new rural insurance system.
【作者单位】：河南大学地方政府与社会治理研究所;
【基金】：国家社会科学基金项目“统筹推进城乡社会养老保障体系建设研究”(13BSH097) 河南省软科学重点招标课题“河南省覆盖城乡居民社会保障体系建设研究”(122400410023)
【分类号】：F842.6;F323.89

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