作　　者： ; ;

机构地区： 广东金融学院保险系

出　　处： 《保险研究》 2011年第7期59-68,共10页

摘　　要： 本文利用607户农户样本数据,基于Lewis的寿险需求理论和Logistic模型,分析了影响农村小额养老保险需求的人口、社会和经济因素。研究结果显示:尽管经济收入提高,大多数农户仍主要选择"自我储蓄养老"的方式,只有少部分农户选择购买传统养老保险。农村小额养老保险作为新型农村养老保险制度的有益补充,建议参照国外小额保险运作机制,通过政府搭台宣传并提供补贴,由保险机构采用专业化管理,以降低政府经营成本,实现农户、政府和保险公司的"多赢"。 The main factors, such as population, social and economic elements ,impacting rural households＇ desires to buy micro-pension insurance are retrieved from 607 rural household＇s sample data,being analyzed by Lewis＇ Life Insurance Demand Theory and Logistic Model. The research showed that, although their income has increased, most farmers still mainly depend on ＂self-savings＂ for old age, and only a small number of farmers will buy traditional pension insurance. As a useful supplement to the new rural social pension system, rural micro-pension insurance can learn from foreign micro-insurance mechanisms. With government＇s promotion and subsidies, the micro-pension insurance schemes can employ insurance company＇s professional management to help to reduce the operation cost of government, and achieve a ＂multiple-win＂ operating model among farmers, insurers and government.

关 键 词： 农户 小额养老保险 购买意愿 模型

领　　域： [经济管理]