农民的养老风险及其规避——基于生计资本视角的实证研究

Pension Risks and Aversion of Chinese Peasants——An Empirical Study based on the View of Livelihood Capital

农民所拥有的各类生计资本对他们的养老风险意识有着很强的影响作用,但并非农民目前拥有的生计资本越丰富,他们的养老风险就越小。同时,相对于正式的社会养老保险制度而言,当前农民依然倾向于选择非正式的养老风险处理策略,在农民养老风险不断增加的情况下,这种过分依赖非正式的风险规避策略反而更说明我国建立正式社会养老保险制度的紧迫性和必要性。

The all kinds of livelihood capital that farmers own have a very strong influence on their senses of pension risks.However,the thought that"the more abundant livelihood capital that farmers own presently,the less their pension risks are"is not true.Meanwhile,farmers presently still tend to prefer informal tactics for pension risks to formal social pension insurance system.With the ever-increase of pension risks for Chinese farmers,being over-reliant on informal aversion tactics for pension risks precisely indicates the urgency and necessity of constructing the formal social pension insurance system.