信贷与保险市场双轮驱动视角下的农村养老保障体系完善研究  

Research on the Relationship between Rural Residents’ Credit Experience and Endowment Insurance Purchase Behavior

作　　者：李程 Li Cheng(School of Economic and Managemen,Tiangong University,Tianjin 300387,China)

机构地区：[1]天津工业大学经济与管理学院

出　　处：《当代经济管理》2019年第12期56-62,共7页Contemporary Economic Management

基　　金：国家社会科学基金项目(14CTJ005);国家社会科学基金后期资助《异质性视角下的杠杆率结构优化与风险防范研究》(19FJYB009)

摘　　要：基于内蒙古和山东省4个地区的调研数据,运用多重响应交叉分析、二元Logit和多项Logit等方法,对农户的养老保险购买意愿和行为的影响因素进行了分析,研究表明,农民贷款经历对购买养老保险具有比较明显的负面影响:养老保险需求方面,有过贷款经历的农村居民更倾向于子女养老;保险品种选择方面,金融知识了解程度、贷款经历与商业养老保险的购买呈负相关关系。同时也发现学历越高,会减少子女养老需求,而会增加商业养老保险购买。这个结论折射出农村金融市场存在的问题,应该从信贷市场和保险市场两方面入手,双管齐下促进农村社会养老保障体系完善,同时应该加强对农民进行保险教育,适应新时期的养老方式。Based on the survey data of Inner Mongolia and Shandong Province,this paper analyzes the influencing factors of farmers’purchase intention and behavior of endowment insurance by using multiple responses cross analysis,binary Logit and multinomial Logit methods.In terms of the demand for endowment insurance,rural residents who have loan experience are more inclined to depend on their children,and the higher their educational background is,the lower their demand for children’s endowment;in terms of the choice of insurance varieties,the degree of financial knowledge and loan experience are negatively related to the purchase of commercial endowment insurance,while higher educational background will increase the purchase of commercial endowment insurance.The negative impact of farmers’loan experience on the purchase of endowment insurance reflects the problems existing in the rural financial market.It is suggested to start with the credit market and insurance market to improve the rural endowment insurance system and strengthen insurance education to help farmers to adapt to the new way of elderly care.

关 键 词：信贷市场 养老保险 LOGIT 

分 类 号：F832.4[经济管理—金融学] F840.67