新农保参保行为影响因素的中西部跨省研究——基于1010份问卷的实证分析

发布时间：2018-01-05 17:43

本文关键词：新农保参保行为影响因素的中西部跨省研究——基于1010份问卷的实证分析　出处：《辽宁大学学报(哲学社会科学版)》2017年06期 　论文类型：期刊论文

【摘要】：在人口老龄化背景下,完善农村养老保障是社会保障可持续性发展的重点。立足新农保实施现状,探讨影响其需求和实施效果主要因素,有助于解决其推进难题。依托2015年云南、青海、贵州等横跨中西部地区7个省(市)1010份问卷调查,研究建立工具变量Logit(简称IV-Logit)模型,并通过两阶段回归法(2SLS)进行参数估计。研究发现:金融机构空间集聚对参保行为的影响具有显著正向影响。此外,新农保参保情况的地区差异较大。年龄大收入高、信息渠道广、养老模式单一的农户新农保参保率较高。同时,数据显示村委会等乡镇政府在推进农村社保中起重要的作用,体现了政府加大宣传解释力度、加强金融机构基础设施建设的必要性。
[Abstract]:In the context of aging population, improving rural old-age security is the focus of the sustainable development of social security. Based on the status quo of the implementation of new rural insurance, this paper discusses the main factors affecting its demand and implementation effect. In 2015, Yunnan, Qinghai, Guizhou and other provinces (cities) across the central and western regions, there were 1010 questionnaires. The tool variable Logit (IV-Logit) model was established. The parameters were estimated by two-stage regression method (2SLS). It is found that the spatial agglomeration of financial institutions has a significant positive impact on the insured behavior. The situation of new rural insurance insurance in different regions is different. The new rural households with high income, wide information channels and a single pension model have a higher rate of participating in the new rural insurance. At the same time. The data show that township governments such as village committees play an important role in promoting social security in rural areas, which reflects the necessity for the government to step up publicity and explanation and strengthen the infrastructure construction of financial institutions.
【作者单位】：西南财经大学保险学院;
【基金】：国家自然科学基金项目(71603211) 四川省社科规划重点理论专项课题(SC16LL010) 四川省农村发展研究中心青年项目(CR1621)
【分类号】：F323.89;F842.61
【正文快照】： 一、引言社会保障制度(Social Security System)对经济发展、社会福利提升的作用是国内外学术界长久以来关注的重点。一些学者认为建立社会保障制度鼓励提前退休、减少总储蓄并降低资本累积(Thompson,1983)[1],而另有学者却认为社会保障制度有利于增加人力资本积累(Drazen,197

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