新型农村养老保险“捆绑缴费制度”对农民参保意愿影响的实证分析

发布时间：2018-05-27 11:00

本文选题：新型农村养老保险 + 捆绑缴费制度　；参考：《西北大学》2014年硕士论文

【摘要】：我国人口快速老龄化的趋势和农村传统家庭养老和土地养老功能的弱化给农村老年人基本生活带来了巨大困难。为了应对这一挑战,我国于2009年开始试点和推广新型农村社会养老保险(新农保),目的是保障农村老年人的基本生活。本研究从来自中国农村5省25个县50个乡镇101个村2020农户的微观层面数据入手,运用调研数据对“捆绑缴费制度”对新农保参保意愿的影响进行实证分析,发现捆绑缴费制度对参保率的影响为负,捆绑缴费制度的实施不利于参保率的提升。在此基础上,提出几点建议：增强制度对农民参保的吸引力。具体应从以下三方面入手：第一,各级政府强化工作能力,必须做到制度的落实。第二,加强宣传教育,培养农民持续参保意识。第三,建立以政府为主导,多层次的养老保障体系。同时细化“捆绑缴费制度”的相关规定,缩小捆绑范围,实施有差别的捆绑制度,扩大社会救济的覆盖范围。保证新农保制度真正的起到保障农村老年人基本的生活的作用。
[Abstract]:The trend of rapid aging of the population in China and the weakening of the traditional family pension and land endowment function in rural areas have brought great difficulties to the basic life of the rural elderly. In order to meet this challenge, our country began to pilot and popularize the new rural social old-age insurance in 2009. The purpose of the new rural old-age insurance is to ensure the basic life of the rural elderly. Based on the data of 2020 rural households in 101 villages and 50 villages in 25 counties and 5 provinces in China, this paper makes an empirical analysis on the effect of the "binding payment system" on the willingness of the new rural insurance system to participate in the insurance. It is found that the binding payment system has a negative effect on the insurance participation rate, and the implementation of the binding payment system is not conducive to the promotion of the insurance participation rate. On this basis, several suggestions are put forward: to strengthen the attraction of the system to farmers' participation in insurance. We should start from the following three aspects: first, governments at all levels should strengthen their working capacity and implement the system. Second, strengthen propaganda and education to cultivate farmers' awareness of continuous participation in insurance. Third, establish a government-led, multi-level pension security system. At the same time, the relevant provisions of the "binding payment system" are refined, the binding scope is reduced, the different binding system is implemented, and the coverage of social relief is expanded. To ensure that the new rural insurance system really plays a role in protecting the basic life of the elderly in rural areas.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67;F323.89

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