“新农保”参保决策制约因素分析

针对新农保推进过程中农民参保决策问题,将新农保一般化为跨期交付的特殊商品,从消费者行为学的视角,对制度需求方,农民的消费决策行为进行研究,实证分析制约农民"新农保"参保意愿的影响因素。二元logistic回归模型分析结果表明:农民人均可储蓄收入是农民参保决策的经济基础,但与经济因素相比,非经济因素在农民参保决策中的作用更为关键。这些非经济因素又可以细分为两类,一类是制度设计方面的因素,如年龄、捆绑等,该类因素使不同群体形成了有差异的参保决策过程;另一类是认知方面的因素,如对干群关系认知、对村干部信任、对新农保的了解和满意度等,该类因素通过影响农民对制度的信任和预期,从而影响农民最终的参保决策。在实证研究的基础上,从增强农民参保积极性的角度为新农保未来发展提出政策建议:完善新农保村级服务组织;建立基础养老金正常调整机制;完善新农保与其他保险制度的接续转移。

Constraint factors of participate in new rural social indowment insurance

The article treated the new rural social indowment insurance (NRSEI)as an intertemporal good,and then analyzed the reason why peasants wouldn''t like to participate in NRSEI.Based on empirical analysis,we found that the "per capita disposable income of household",other than the "per capita net income of household" was the economic base which determined peasants'' participation decision.But comparing with the economic factors,the non-economic factors were more crucial to peasants'' decision-making system.These non-economic factors could be further divided into 2 categories.One contains factors that had relationship with design of the NRSEI system,such as age,be tied up with their parents,and so on,and the other one contains factors that related to peasant''s cognitive,such as their trust for leaders of the village,satisfaction of NRSEI and so on.After the empirical analysis,the article proposed several suggestions as follow:1)Improve the village-root organization for NRSEI;2)Built a regular adjustment mechanism of basic pension;3)Building up the mutually link between NRSEI and other social endowment insurance.