农村居民养老保险参与行为及影响因素研究

Research on the Participation Behavior and Influencing Factors of Rural Residents in Pension Insurance

近年来,随着劳动力城乡流动加速、土地制度改革推进和农村居民思想转变,传统家庭养老和土地养老保障功能日渐弱化。在此背景下,依托政府投入为主的新农保政策在农村迅速推广开来。然而,在农村养老方式逐渐呈现多元化趋势与背景下,单纯依靠政府财政投入的新农保政策瓶颈凸显。本文在认真研读大量参考文献以及收集有关的信息资料的基础上,根据2018年城乡居民收入分配与生活状况中的农村问卷及数据(CHIP),利用15,020个样本,归纳分析了样本农村居民的养老保险参与行为,并在此基础上利用二元Logistic回归的研究方法实证研究了农村居民养老保险参与行为的影响因素,得出相关结论,并提出完善农村养老保险政策实施的相关建议。

In recent years, with the acceleration of labor mobility between urban and rural areas, the advancement of land system reform, and the transformation of rural residents’ thinking, the traditional family pension and land pension security functions have gradually weakened. In this context, the new agricultural insurance policy, which relies mainly on government investment, has been rapidly promoted in rural areas. However, in the context of the gradual diversification of rural elderly care methods, the bottleneck of the new agricultural insurance policy relying solely on government financial investment has become prominent. On the basis of carefully studying a large number of references and collecting relevant information, this article summarizes and analyzes the participation behavior of rural residents in pension insurance based on the 2018 rural questionnaire and data (CHIP) on income distribution and living conditions of urban and rural residents, using 15,020 samples. On this basis, binary logistic regression research method is used to empirically study the influencing factors of rural residents’ pension insurance participation behavior, draw relevant conclusions and propose relevant suggestions for improving the implementation of rural pension insurance policies.