土地征收、养老计划与家庭保险决策——基于中国家庭金融调查数据(CHFS)的研究

Land Expropriation,Pension Planning and Insurance Decisions——Based on China Household Finance Survey

新型城镇化不断推进需要征收大量的土地作为支持,土地征收所引发的“人地分离”使养老风险不断被显化,而随着我国人口老龄化程度的不断加深,在社会养老保障体系不完善的情况下,被征地农民的养老问题将更加严峻。通过2013年中国家庭金融调查数据,基于土地征收的视角,构建Probit和Tobit等计量模型探究征地对家庭养老计划决策和家庭保险决策的影响。研究发现,相对未被征地的农户,被征地农户在养老模式的选择上更加综合,但更依赖于社会养老保险。在家庭保险决策上,被征地家庭的风险和保险意识更强,配置商业保险意愿也显著高于未被征地的家庭;同时户主的风险偏好是被征地家庭对保险购买的影响渠道之一。

In the context of the continuous promotion of new urbanization,a large number of land needs to be expropriated as a support.The separation of farmers and land”caused by land expropriation makes the risk of old-age care increasingly obvious.With the deepening of the aging degree of China’s population,in the case of imperfect social pension security system,the old-age care of land expropriated farmers will be more serious.Based on the data of China Household Finance Survey in 2013 and based on the perspective of land expropriation,this paper constructs Probit and Tobit empirical models to explore the impact of land acquisition on family pension plan and family insurance decision-making.It is found that compared with the farmers who have not been expropriated,the land expropriated farmers are more comprehensive in the choice of pension mode,but more dependent on social pension insurance.In terms of family insurance decision-making,the land expropriated families have stronger risk and insurance awareness,the willingness to buy commercial insurance is also stronger.