“城居保”对农村养老模式选择的影响分析

发布时间：2018-11-03 11:03

【摘要】：2009年推行的新型农村养老保险和2014年建立的城乡居民统一社会养老保险对农村地区的养老保障有重大影响。在此前提下,本文利用中国健康与养老追踪调查数据,针对养老保险对于农村养老模式选择的影响进行分析。文章发现:随着新农保的加入,并没有出现我们传统认为的选择社区养老或机构养老增多的情况。养老保险的加入使得农村居民更加倾向于选择家庭养老模式。主要原因在于养老保险能够在一定程度上提高了老年人的经济实力,在一定程度上有助于提高老年人在家庭中的地位,进而提高选择家庭养老的可能性。根据研究结果,本文从分模式的层次分析如何完善农村地区养老保障。本文共分为五个章节,其中,具体内容如下:第一章阐述了本文研究的背景、前人研究的成果梳理以及针对本研究提出了自己的研究假设。第二章从理论上分析了养老模式选择的相关理论。该部分从与养老模式相关的理论,主要有马斯洛需求理论、理性选择理论和福利多元理论。第三章采用定量分析方法,利用多项logit回归模型对农村养老模式选择影响因素进行分析。分析结果发现,在有无配偶的前提条件下,影响老年人养老模式的选择存在差别。然而,影响农村老年人养老模式选择的主要因素与个人社会特征有关,家庭收入、政府转移性支付对于选择独居或者养老院等养老模式并没有显著的影响。第四章我们利用基于随机效应的多项logit的面板模型,在控制其他变量的基础上,逐步回归。回归结果表明,新农保对于养老模式的选择有重要影响。研究发现,新农保在增强个人经济实力的前提下,对于家庭养老模式有固化作用。第五章从政策建议角度出发,在城乡居民养老保险统一的背景下分析应当如何保障老人的养老保障。该部分从加强三个维度进行建议,并提出了相关的建议。
[Abstract]:The new rural old-age insurance introduced in 2009 and the unified social old-age insurance for urban and rural residents established in 2014 have great influence on the old-age security in rural areas. On this premise, this paper analyzes the impact of pension insurance on rural pension model selection by using the data of health and pension tracking survey in China. It is found that with the addition of new rural insurance, there is no community pension or institutional pension increase. The addition of endowment insurance makes rural residents more inclined to choose the family pension model. The main reason is that the old-age insurance can improve the economic strength of the elderly to a certain extent, help to improve the status of the elderly in the family, and then improve the possibility of choosing the family for the aged. According to the research results, this paper analyzes how to improve the old-age security in rural areas. This paper is divided into five chapters, the specific contents are as follows: the first chapter describes the background of this study, the results of previous studies and proposed their own research hypothesis. The second chapter theoretically analyzes the related theory of pension model selection. This part mainly includes Maslow's demand theory, rational choice theory and welfare pluralistic theory. In the third chapter, quantitative analysis method is used to analyze the influencing factors of rural pension model selection by using multiple logit regression models. The results show that there are differences in the choice of aged pension model under the premise of having or not having a spouse. However, the main factors affecting the rural elderly pension model choice are related to individual social characteristics. Family income and government transfer payment have no significant impact on the choice of pension model such as living alone or nursing home. In chapter 4, we use the panel model of multi-term logit based on random effect and step by step regression on the basis of controlling other variables. The regression results show that the new rural insurance has an important impact on the choice of pension model. It is found that the new rural insurance can solidify the family pension model on the premise of enhancing individual economic strength. The fifth chapter analyzes how to guarantee the old-age security of the elderly under the background of the unification of urban and rural residents' old-age insurance from the angle of policy suggestion. This part makes suggestions from three dimensions, and puts forward some related suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D669.6

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