经济与管理研究
經濟與管理研究
경제여관리연구
Research on Economics and Management
2012年
10期
51~55
,共null页
参保行为 公平性 政策模拟
參保行為 公平性 政策模擬
삼보행위 공평성 정책모의
Insurance Participation ; Equity ; Policy Simulation
文章以最新农村居民养老保险试点办法为依据，采用精算方法构建城乡居民养老保险参保行为模型。在对农民参保的收益率进行分析基础上，研究了现行农村养老保险政策对不同参保人群的吸引力与公平性。研究结果表明，现行制度设计对年轻参保人不利，同时对选择较高缴费标准的参保人也不利。这种制度的不公平性将产生两个问题：一是年轻人不愿意参保，二是参保人更加偏向于选择较低的缴费模式。
文章以最新農村居民養老保險試點辦法為依據，採用精算方法構建城鄉居民養老保險參保行為模型。在對農民參保的收益率進行分析基礎上，研究瞭現行農村養老保險政策對不同參保人群的吸引力與公平性。研究結果錶明，現行製度設計對年輕參保人不利，同時對選擇較高繳費標準的參保人也不利。這種製度的不公平性將產生兩箇問題：一是年輕人不願意參保，二是參保人更加偏嚮于選擇較低的繳費模式。
문장이최신농촌거민양로보험시점판법위의거，채용정산방법구건성향거민양로보험삼보행위모형。재대농민삼보적수익솔진행분석기출상，연구료현행농촌양로보험정책대불동삼보인군적흡인력여공평성。연구결과표명，현행제도설계대년경삼보인불리，동시대선택교고격비표준적삼보인야불리。저충제도적불공평성장산생량개문제：일시년경인불원의삼보，이시삼보인경가편향우선택교저적격비모식。
According to the latest Rural Endowment Insurance policy, the article builds a theory model to analyze the participators＇ behavior by the actuarial method. The attraction and equity of current Rural Endowment Insurance policy＇s for different insured group is studied through rate of return on insurance. The results indicate that the current policy is unfavorable for the youth and those who choose the higher payment standard. The unfairness will result in two problems ： one is that the youth are less likely to participate insurance, the other is that residents would choose to lower the payment.
