| 摘要: |
| “新农保”制度全覆盖之后，面临着“人员全覆盖”的挑战，而缴费水平和档次的设置是影响农户参保行为的重要因素。目前，大多数参保农民都选择最低缴费档次，反映出政策预期与实际情况存在差异。对成都市农户的抽样调查分析表明：养老保险需求、预期保障收益以及缴费能力是决定参保农户选择缴费档次的关键因素；当前大多数农户倾向于选择最低的缴费档次，主要由于农户对养老保险制度的预期收益较低和缴费补贴激励不足，而年龄、教育、健康、家庭抚养比以及经济收入状况等因素不同程度地影响着农户的参保意愿和参保水平的选择。因此，农村养老保险制度的改革，应该进一步优化缴费档次设置，更加重视群体特征差异，并在保证公平性的基础上适当提高补贴标准。 |
| 关键词: 农村养老保险 参保水平 缴费档次 缴费补贴 缴费能力 养老保险需求 预期保障收益 |
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| Research on Influential Factors for the Selection of Participating Level of Rural Old-age Pension System—Sampling Survey and Analysis of Rural Households in Chengdu City |
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CHENG Jie
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Institute of Population and Labor Economics, Chinese Academy of Social Science, Beijing 100028,China
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| Abstract: |
| After the whole coverage of “new rural pension” system, the challenge to “whole coverage of personnel” is faced, however, the setting for premium level and grades is an important factor to affect the participating behavior of the insurance of rural farmer households. Presently, most of farmers tend to choose the lowest level insurance premium, which reflects that there is a difference between policy expectation and practical situation. Sampling survey analysis of the farmer households in Chengdu City shows that the key factors for the participating farmer households for pension are pension demand, expected insurance benefit and pension payment ability, currently most of farmer households are inclined to choose the lowest premium payment level because the expected gain of the farmer households for the pension is low and because premium payment incentive subsidy is not sufficient, furthermore, the factors such as ages, education, health, dependency ratio, and income status and so on also differently impact farmers’ choices in the pension participation willing and participating level of the farmer households, thus, the reform of rural pension system should further optimize insurance premium grades setting, more emphasize the difference in group features and properly raise the subsidy standard based on the guarantee of the fairness. |
| Key words: rural endowment insurance premium level payment grade payment subsidy payment ability pension demand expected insurance gain |
