CAJ | 학술논문

将新农保一般化为跨期交付的特殊商品，以制度需求方---农民的消费决策行为为视角，实证分析了制约农民“新农保”参保意愿的影响因素。通过Logistic多元回归模型的分析表明，农民人均可储蓄收入是农民参保决策的经济基础，但与经济因素相比，非经济因素在农民参保决策中的作用更为关键。这些非经济因素又可以细分为两类，一类是制度设计方面的因素，如年龄、捆绑等，它们使不同群体形成了有差异的参保决策过程；另一类是认知方面的因素，如对干群关系认知、对村干部信任、对新农保的了解和满意度等，它们通过影响农民对制度的信任和预期，从而影响农民最终的参保决策。在实证研究的基础上，从增强农民参保积极性角度提出完善新农保制度发展的相应政策建议。
장신농보일반화위과기교부적특수상품，이제도수구방---농민적소비결책행위위시각，실증분석료제약농민“신농보”삼보의원적영향인소。통과Logistic다원회귀모형적분석표명，농민인균가저축수입시농민삼보결책적경제기출，단여경제인소상비，비경제인소재농민삼보결책중적작용경위관건。저사비경제인소우가이세분위량류，일류시제도설계방면적인소，여년령、곤방등，타문사불동군체형성료유차이적삼보결책과정；령일류시인지방면적인소，여대간군관계인지、대촌간부신임、대신농보적료해화만의도등，타문통과영향농민대제도적신임화예기，종이영향농민최종적삼보결책。재실증연구적기출상，종증강농민삼보적겁성각도제출완선신농보제도발전적상응정책건의。
Taking the new rural social endowment insurance (NRSEI) as an inter-temporal commodity, the article analyzes the factors that affect the promotion of NRSEI from the perspective of farmers ,who are the consumers of this very commodity.Based on an empirical analysis,we find that the factor “per capita disposable income of household”,rather than “per capita net income of household”,is the economic base which deter-mines farmers’participation decision.However,compared with the economic factors,the non-economic factors play a more crucial role in farmers’decision-making system.These non-economic factors can be further divid-ed into 2 categories.One contains factors that are connected with the design of the NRSEI system ,such as age, closeness with parents,and so on;The other contains factors that are related to farmers ’cognitive,such as their trust for village leaders,satisfaction of NRSEI and so on.Based on the conclusion from the empirical analysis , several suggestions are proposed to improve farmers ’enthusiasm about participating in NRSEI .