新型农村养老保险中的制度设计及其对农民参保影响——基于江苏的实证研究

Effects of System Design in New Rural Social Pension on Participation of Farmers:A Case Study of Jiangsu Province

以江苏为例,分析当前新型农村养老保险中的制度设计及其对农民参保的影响。结果表明:新农保中的制度设计对农民参加养老保险影响显著。最低缴费年数15年限制能促进中年农民尽早参保;高龄补贴对青年农民参保具有激励作用;保费补缴截止日期的设置能有效促进老年人参保;保费的财政补贴比例越高,农民参保积极性越高。除制度因素外,农民的年龄、非农就业和支付能力对其选择养老保险也存在影响。年龄从幼到长,农民的参保率呈倒"U"形变化;非农化水平越高,农民参保积极性越低;支付能力越强农民越倾向于参加新农保。

This paper takes Jiangsu Province as an example to analyze system design in New Rural Social Pension and their effects on participation of local farmers.It concludes that system design such as least payment period（15 years）,payment deadline,subsidies to senior farmers,proportion of government subsidy have significantly effects on participation of farmers.Except system design,attributes of farmers play a great role. Age,job and ability to pay are key factors.