中国农村宗族网络对新农保参与的影响——基于CFPS的实证研究

Influences of Chinese clan network on participation in new rural social endowment insurance for rural residents:An empirical study based on CFPS

基于个体未来收入不确定性构建理论模型,并利用中国家庭追踪调查数据(CFPS)实证考察了宗族网络对农民参与新农保的影响及其机制。研究发现:宗族网络成员间的转移支付、社会交往以及宗族网络所提供的心理安全感扮演了重要的非正式风险分担机制,为宗族网络成员提供了非正式社会保障功能;宗族网络越强的村庄,农民参加新农保的概率越低;宗族网络对新农保参与的挤出效应主要集中在高收入及高教育水平人群。进而提出要通过继续增加财政投入、优化新农保制度设计和推进新农保制度与宗族网络的协同来提高新农保参保率。

This article builds a theoretical model based on the individual’s future income uncertainty, and adopts CFPS data to empirically examine the impact and mechanism of clan network on farmers’ participation in New Rural Social Endowment Insurance for Rural Residents (NRSEIRR). It is found that transfer payments among clan network members, social interactions and the mental security provided by the clan network acts as an important informal risk-sharing mechanism and provides informal social security for clan network members. The stronger the clan network, the lower probability that farmers will participate in NRSEIRR. The crowding-out effect can be found mainly among people with high income and higher education level. The article proposes to raise the participation rate by increasing financial input, optimizing the design of NRSEIRR, and promoting the collaboration between NRSEIRR and clan network.