新农保农民缴费选择的经济理性:政府—农民关系嬗变的视角

Economic Rationality of Farmers' Payment Choice in New Rural Endowment Insurance:Perspective of Evolution of Government-Farmers Relation

新型农村社会养老保险不同于其他社会保险制度的突出特点在于"自愿参保",但这也导致新农保呈现"高覆盖率、低缴费水平"的特征。以机会成本为对照,考察不同参保年龄、不同缴费档次条件下新农保政策的收益情况可以发现,在当前政策下,绝大多数农民选择低档次缴费,在领取养老金前提高缴费或补缴是符合经济理性的。这种经济理性背后隐现的是农民主体性的跃升,使得政府-农民关系由"主动-被动"转向"强主动-弱主动"。

The new rural social endowment insurance is different from other social insurance systems because of the outstanding feature of "voluntary participation",but this also leads to the convergence phenomenon of "high coverage rate,low payment level". Taking opportunity cost as a reference,the income of the new rural insurance policy under the conditions of different age and payment level can be found that,the choice of low-level payment and the behavior to increase the payment or make up payment before receiving the pension under the current policy is in line with the economic rationality. Behind this economic rationality is the leap of farmers’ subjectivity,which makes the relationship between government and farmers changed from "active-passive"to"strong active-weak active".