CAJ | 학술논문

新农保试点的跟踪调查数据显示,与＂一刀切＂财政补贴方式相比,＂差别化＂财政补贴方式并未能比＂一刀切＂补贴方式更有效激励参保农民提高缴费档次选择,试点地区的多数参保农民都选择了个人账户最低缴费档次。本文利用引入新农保制度和政策信任程度的代际交叠模型,分析了个人账户＂差别化＂财政补贴提高参保缴费档次选择的激励效应及实现条件,并使用有序Probit模型和辽宁省调研数据对理论分析结果进行实证检验。研究发现,＂差别化＂财政补贴方式的激励效应以参保农民对新农保制度的信任程度和财政补贴的边际补贴水平为条件,只有在较高的政策信任程度或较高的边际补贴水平条件下,＂差别化＂财政补贴方式才可能有效激励参保农民提高缴费档次选择。
신농보시점적근종조사수거현시,여＂일도절＂재정보첩방식상비,＂차별화＂재정보첩방식병미능비＂일도절＂보첩방식경유효격려삼보농민제고격비당차선택,시점지구적다수삼보농민도선택료개인장호최저격비당차。본문이용인입신농보제도화정책신임정도적대제교첩모형,분석료개인장호＂차별화＂재정보첩제고삼보격비당차선택적격려효응급실현조건,병사용유서Probit모형화요녕성조연수거대이론분석결과진행실증검험。연구발현,＂차별화＂재정보첩방식적격려효응이삼보농민대신농보제도적신임정도화재정보첩적변제보첩수평위조건,지유재교고적정책신임정도혹교고적변제보첩수평조건하,＂차별화＂재정보첩방식재가능유효격려삼보농민제고격비당차선택。
According to the longitudinal survey about the pilot of New Rural Pension System,the ＂differentiation＂ financial subsidy had not been more effective to stimulated peasants to improve their contribution grade than the ＂one-size-fits-all＂ financial subsidy.Most peasants of all pilot areas had chosen the lowest contribution grade.Using Life-Cycle Model,this paper analyzed the incentive effect of difference financial subsidy and the condition to achieve it.Using the micro data of Northeast China,it did empirical test with the Ordered Probit Model.It is concluded that the incentive effect of the ＂differentiation＂ financial subsidy is based on both the high policy trust degree of peasants＇ and the high marginal subsidy level of the ＂differentiation＂ financial subsidy.Only under the condition of adequate policy trust degree and marginal subsidy level,the ＂differentiation＂ financial subsidy would stimulate peasants effectively to improve their contribution grade.