摘要
分析了经典理论假设下的农民工社会保险参保行为及保险需求,并基于2007年武汉市的调研数据,通过计量模型对样本地区农民工财富积累水平与保险需求之间的关系进行了研究。实证结果显示,农民工城市融合过程中存在保险需求悖论:随着融合阶段的推进,农民工对保险的需求随财富水平的增加而增加。研究还发现,收入水平有限、制度认知不足、权力意识的缺乏与制度设计不合理是造成融合初期农民工保险需求不足的原因;现行城乡非均等化的公共服务体系及"社会比较"心理是导致融合后期农民工社会保险需求仍然较强的可能的解释。
This paper analyzed social security participation behaviors and such insurance needs of the migrant workers under the classical theory, and studied the relationship between the levels of wealth accumulation and the needs of insurance of migrant workers in the sample areas based on 2007 survey data of Wuhan City through the econometric model. The empirical result showed that there was a ＂paradox of insurance needs＂ phenomenon with migrant workers been integrated into cities ： with the advance of the integration phase, the insurance needs of the migrant workers would increase with the growth of their wealth levels. The study also found that, generally low income levels, lack of understanding of insurance, lack of awareness of their power, and unreasonable system design were the reasons for lack of demand for insurance in the early integration phase. Meanwhile, the existing non-equalization of urban and rural public service system and the ＂social comparison＂ psychology were possibly the reasons for a strong demand for insurance of the migrant workers in the latter phase of the integration.
出处
《保险研究》
北大核心
2011年第9期38-46,共9页
Insurance Studies
基金
国家社会科学基金青年项目"农民工城市融入问题研究"(11CGL06)
教育部人文社会科学研究基地重大项目"社会保障风险管理"(2009JJD630008)
关键词
农民工
财富积累
风险规避
保险需求
migrant workers
wealth accumulation
risk avoidance
insurance demand
