风险认知影响农民参加城乡居民基本养老保险意愿的实证研究

发布时间：2018-04-01 03:14

本文选题：城乡居民基本养老保险　切入点：风险认知　出处：《江西农业大学》2017年硕士论文

【摘要】：自城乡居民基本养老保险正式实施以来,农民参保意愿一直不高。对于这一问题的研究,学者们多聚焦在客观因素上,而风险认知作为主观意愿的影响因素之一却少被关注。为了了解风险认知对农民参保意愿的作用路径,本文借鉴PTC模型,结合我国城乡居民基本养老保险实施情况,构建风险认知影响农民参保意愿的模型,并依据江西省南昌市部分行政村909份有效调查问卷数据,采用结构方程模型对风险认知影响农民参保意愿模型进行模拟、修正和检验,通过实证分析以期对完善我国城乡居民基本养老保险制度提供理论支持。本文研究结果表明:政策信任对养老风险认知和参保意愿均有显著正向影响,但其对消费风险认知的影响并不显著;保险认知对消费风险认知有显著负向影响,对参保意愿有显著正向影响;养老风险认知对参保意愿有显著正向影响;消费风险认知对参保意愿有显著负向影响。结合风险理论相关知识和南昌市新建县各行政村农民参保实际情况对假设检验结果加以解释说明。最后基于调查分析结果,并结合当地具体情况,提出相关政策建议。
[Abstract]:Since the formal implementation of basic old-age insurance for urban and rural residents, the willingness of farmers to participate in the insurance has been low. For the study of this issue, scholars mostly focus on objective factors. However, risk cognition as one of the influencing factors of subjective will is less concerned. In order to understand the role of risk cognition on farmers' willingness to participate in insurance, this paper draws lessons from PTC model and combines the implementation of basic old-age insurance for urban and rural residents in China. Based on 909 valid questionnaire data of some administrative villages of Nanchang City, Jiangxi Province, the model of risk cognition influencing farmers' willingness to participate in insurance is simulated, revised and tested by structural equation model. Through the empirical analysis to provide theoretical support to improve the basic old-age insurance system of urban and rural residents in China. The results of this study show that policy trust has a significant positive impact on pension risk awareness and insurance willingness. But its influence on consumer risk cognition is not significant; insurance cognition has significant negative influence on consumption risk cognition and significant positive influence on insurance intention; pension risk cognition has significant positive influence on insurance intention; Consumer risk cognition has a significant negative impact on the willingness to participate in insurance. Combined with the relevant knowledge of risk theory and the actual situation of farmers in various administrative villages in Xinjian County, Nanchang City, the hypothesis test results are explained. Finally, based on the results of investigation and analysis, And combined with local specific conditions, put forward relevant policy recommendations.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67;F323.89

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