新型农村社会养老保险制度试点推行的影响因素研究——基于湖北省新农保的调查

Study on Influencing Factors of New Type Rural Social Endowment Insurance——Based on Survey of New Type Rural Social Endowment Insurance in Hubei Province

随着农村人口的老龄化、传统的家庭养老和土地保障功能的弱化,农民的养老问题日趋严峻。为解决农民老有所养的问题,2009年我国开始新型农村社会养老保险制度试点推广工作。在对湖北省农村社会养老保险制度试点推行情况进行调查的基础上,运用Logistic多元回归模型对调查结果进行了实证分析。通过分析农民的收入水平、对养老保险的了解程度、筹资机制、运作方式等因素对湖北省农民参保意愿的影响,进而研究了影响湖北省农村社会养老保险制度试点发展的主要因素及对策。结果显示,湖北省农民的家庭收入水平、务工务农类型、筹资方式选择、养老方式、耕地利用情况、农保基金运作方式等6个因素对农民参与新农保都有着显著的影响,但影响程度不同。

With the aging of rural population,weakening of traditional family support of old people and function of land guarantee,the problems of rural cares for the aged has become more and more severe.In order to work out the problem of providing elderly with a sense of security,China began to try and popularize new type rural social endowment insurance in 2009.Based on investigation in Hubei province,this paper uses Logistic multiple regression model to analyze the results of the above investigation.Through impact of farmer＇s income,extent of understanding social endowment insurance,way of financing and operating model on farmer＇s willlingness to take part in this insurance,this paper further discusses the main factors and countermeasures which influence the experimental and popularized pension system in rural areas.The result shows that six factors of farmer＇s family income,type of farming,financing options,ways of endowment insurance,land untilization and operating of fund of rural social endowment insurance have significant impact on farmer＇s participation in new type rural pension system,but their impact level is different.