摘要
家庭"捆绑"是新农保制度中最具代表性的激励机制之一,而这一机制的"松绑"是否改变了农户的参保预期、促进其参保行为的稳定性与连续性,是决定新农保制度可持续发展的关键因素。对此,本文选取2015年CHARLS调查数据,运用Probit模型考察新农保家庭"捆绑"机制"松绑"对农户参保行为的激励效果。研究发现:(1)实施"松绑"政策对农户参保行为具有显著的逆向激励作用;(2)无论"松绑"与否,社交活动能改善农户对新农保制度各参数内涵的理解、有效缓解信息不完备问题,对农户参保行为具有显著的正向激励;(3)在不同收入群体中,农户参保的概率均随新农保制度实施时间的推移而下降,并且对于高收入群体而言这一时间效应更加显著。研究结论为社会养老保险激励机制的优化设计提供了经验证据,对促进农户连续参保、真正实现新农保广覆盖与可持续发展具有重要意义。
Family'binding'mechanism is one of the most representative incentive mechanisms for the New Rural Social Pension Scheme(NRPS)in China.Identifying whether loosening of this binding mechanism alters the expectation of rural household’s involvement in the scheme and promotes the stability and continuity of their take-up behavior,is crucial to determine the sustainable development of the social pension system.Using a rich data set from the China Health and Retirement Longitudinal Study(CHARLS)in 2015,this paper adopts a Probit model to examine the role of the'family binding'mechanism in household participation decisions for the NRPS in China.The empirical results show that:(1)rural household’s enrollment probability decreases after the family'binding'mechanism is loosened.(2)rural household’s social activities have an essentially positive incentive for them to participate in the pension scheme through the process of social learning,which could improve their comprehension of the parameters of NRPS,and effectively alleviate the problem of incomplete information.(3)In addition,the likelihood of participation in NRPS would decrease over time for all of the different income subgroups,particularly,this time effect is statistically significant for the high income subgroup.These conclusions provide empirical evidence for the optimal design of the NRPS program’s incentive mechanism,and also they have great significance to promote the continuous enrollment in NRSPS for rural residents,which aims at realizing sustainable development of the NRPS program.Due to limitation of the data availability,the trend of household’s participation behavior before and after the loosening policy change in the same area needs to be further explored.
作者
洪灏琪
马源聪
宁满秀
HONG Haoqi;MA Yuancong;NING Manxiu
出处
《农业经济问题》
CSSCI
北大核心
2019年第4期98-107,共10页
Issues in Agricultural Economy
基金
国家自然科学基金青年项目"新型农村社会养老保险制度的挤出效应与收入再分配效果研究"(编号:71303050)
国家自然科学基金面上项目"农村医疗保险便携性
就业"锁定"与福利再分配效果研究"(编号:71773017)
国家社会科学基金重大项目"全面深化改革背景下的完善农村集体林权制度改革研究"(编号:16ZDA024)
福建省社会科学规划一般项目(编号:FJ2017B022)的阶段性研究成果之一
