乡村振兴背景下城乡居民选择最低档次参保的成因与优化建议——基于湖南省L县的调查

Reasons and Optimization Suggestions for Urban and Rural Residents to Choose the Minimum Insurance under the Background of Rural Revitalization——Based on a Survey of L County in Hunan Province

通过梳理湖南省L县城乡居民基本养老保险政策调整及实施脉络发现,乡镇农民参保选择以最低档次缴费标准为主,缴费补贴机制不合理、个人账户收益不显著,农民对政策认知不清晰,农民受传统养老思想影响的盲目从众心理与“经济人”选择偏差是农民普遍参保最低档次缴费形成的主要成因,应提高最低参保缴费数额,改进个人账户管理机制,完善多缴多补配套政策,加强农民政策认知宣传,以完善城乡居民基本养老保险现行政策,更好助力乡村振兴。

Through sorting out the adjustment and implementation context of basic endowment insurance policies for urban and rural residents in L County, Hunan Province, it is found that the lowest level payment standard is the main reason for the rural farmers to participate in the insurance, the payment subsidy mechanism is unreasonable,the personal account income is not significant, the farmers do not have a clear understanding of the policy, and the blind herd mentality of farmers affected by traditional endowment ideas and the "economic man" selection deviation are the main reasons for the formation of the lowest level payment of farmers to participate in the insurance generally.We should increase the minimum amount of insurance contributions, improve the personal account management mechanism, improve the supporting policy of overpayment and overpayment, and strengthen farmers’ policy awareness and publicity, so as to improve the current policy of basic endowment insurance for urban and rural residents and better help rural revitalization.