农村社会养老保险心理因素实证研究——以南充市230户低收入农户为例

Empirical Research in the Influence of Psychological Factor on SocialInsurance System of Old-aged in Rural Areas in China:A case study of 230 low-income rural families in Nanchong,Sichuan Province,China

文章基于南充市230户农户的调查样本,对四川南充市农户的农村社会养老保险的参与意愿进行了实证分析。结果表明:欠发达地区的农户对农村社会养老保险的整体参与意愿不强,且参与意愿与参与行为相差甚远。特别是农户对利益的心理预期,对制度及管理者的信任度和满意度,过度自信及从众心理等因素对参与意愿有重要影响。文章认为,增加农户的收入和提高农户对社会养老保险的认知程度是建立和健全农村社会养老保险制度的重要条件,政府应充分考虑不同地区、不同年龄段的农户的心理需求与参与意愿,制定更为合理的制度。

Based on the survey data collected from 230 rural families in Nanchong,this article looks at those psychological factors on social insurance in rural areas.The research shows that farmers in under-developed area are far less interested than those in developed areas in social insurance. Some psychological factors such as farmers expectation of the benefit,their overconfidence bias in their health and their conformity to others behavior all have impact on their desire for participation in social insurance.The...