“新农保”、消费观念与农民耐用品消费地区差异比较研究

A Comparative Study of Regional Differences in New Rural Social Pension Insurance,Consumption Concepts and Farmers’Consumption of Durable Goods

综合考虑农村“新农保”参保观与消费观,根据2010年中国综合社会调查(CGSS)数据,分析试点区域“新农保”参保对农民消费家用小汽车、电脑、摩托车等耐用品的影响。实证发现,“新农保”对农民消费电脑、摩托车促进作用显著,但对消费家用小汽车作用不显著。相较于超前消费观念,即期消费观念更能促进农民消费耐用品。“新农保”在东部地区的消费促进效应与全国相比差异较大,在中部、西部地区的效应趋同。应根据“新农保”的消费区域促进效应,因时制宜地充分发挥其对促进农民消费耐用品的作用,不断提高农民耐用品消费等级。

Considering the views of rural farmers on purchasing new rural social pension insurance and their views on consumption,this paper analyzes the impact of farmers purchasing new rural social pension insurance on farmers’consumption of durable goods such as cars,computers,and motorcycles in the pilot regions based on 2010 CGSS data.It is found that purchasing new rural social pension insurance has a significant effect on farmers’consumption of computers and motorcycles,but not on their consumption of cars.Compared with the idea of over-consumption,the idea of immediate consumption is more likely to promote the consumption of durable goods.The consumption promotion effect of the new rural social pension insurance in the eastern region differs greatly from that of the whole country,while the effect in the central and western regions converges.Therefore,according to the regional consumption promotion effect of the new rural social pension insurance,it is necessary to give full play to its role in the promotion of farmers’consumption of durable goods,and continuously improve the level of farmers’consumption of durable goods in a timely manner.