农村居民参与新农保意愿影响因素的实证分析

Empirical Analysis on The Influencing Factors of the Willingness of Rural Residents to Participate in the New Agricultural Insurance

将新型农村社会养老保险(简称新农保)一般化为跨期交付的消费品,以至今还未参与新农保的农村居民为研究对象,利用二元Logit模型实证分析影响农村居民参与新农保意愿的影响因素。结果表明,农村居民的性别、受教育程度、自评健康状况、家庭年收入、地理位置、"邻居亲朋等是否已经参与新农保"等6个因素是影响农村居民参与新农保意愿的主要因素,在新农保市场中存在"逆向选择"现象和"邻里效应",最后提出政策建议。

In this paper, the new agricultural insurance general for inter-temporal delivery of consumer goods, to has not yet involved in the new agricultural insurance for rural residents as the research object, analyzed empirically the influencing factors of the willingness of rural residents to participate in the New agricultural insurance using binary Logit model. The empirical results show that six factors are the major factor of affecting rural residents to participate in new agricultural insurance willingness, such as the sex of the rural residents, level of education, self-rated health status, family income, geographic location, whether friends and neighbours has been involved in new agricultural preservation. The new agricultural insurance market exists the phenomenon of the ＂adverse selection＂ and ＂neighborhood effects＂, and finally puts forward policy suggestions.