保险学-中山市农村社会养老保险参保决策影响因素研究

中山市农村社会养老保险参保决策影响因素研究【摘要】2009 年，新农保的试点工作在全国范围内开展。不同于老农保只能依靠自己缴费，新农保采用了城镇职工社会养老保险的缴费模式，在个人缴费的同时政府和集体还会给予补贴，降低农民群体参保的支出压力。目前，我国农村人口参保人数不断增长,但也存在可持续发展不足的现象，表现为社会养老保险密度较低,大多是象征式参与，此外，退保、断保事件也时有发生。本文以中山市农村社会养老保险参保决策影响为研究主题，在“新农保”工作的背景下，将参保决策行为分为意愿和行为两大过程，将制约农村社会养老保险参保的因素分为个人因素、家庭因素、认知因素、环境因素，利用 Logistic 模型分析各个因素对于参保决策影响的程度，可以更好的保证我国农村人口全面融入到社会养老保险体系中，使我国社会养老保险达成农村人口全覆盖，实现我国社会保障的公平性。【关键词】农村人口；社会养老保险；参保决策Research on Influencing Factors of Rural Social Pension Insurance Participation Decision-making in Zhongshan City[Abstract] In 2009, the government launched a pilot program for a new type of rural social pension insurance (nannc) in 10 percent of the country's regions, and plans to expand it to the whole country by 2020. Compared with the old rural insurance system dominated by self-payment, the new rural insurance system is based on the basic endowment insurance system for urban workers, which combines individual payment, collective subsidy and government subsidy, and tripartite financing. At present, China's rural population continues to increase in the level of insurance participation, but there is also a phenomenon of insufficient sustainable development, as shown by the low density of social endowment insurance, most of which are symbolic participation. In addition, surrender and termination of insurance also occur from time to time. In zhongshan city of rural social endowment insurance ginseng protect decision-making influence as the...