农民工社会保险参与意愿及影响因素研究 —— 以河南省新乡市为例

基于对河南省新乡市4个县(市、区)1000名农民工的问卷调查,利用Logistic模型对农民工社会保险参与意愿进行实证经济。研究发现,农民工的参保意愿较强烈,有90.7%的农民工表示愿意参与社会保险。在个体特征方面,农民工的年龄、学历、收入对社会保险参与意愿有显著影响并呈正相关;在制度认知方面,农民工对社会保险政策的了解程度对其社会保险参与意愿有显著影响并呈正相关;在企业行为方面,企业对农民工参保的鼓励程度对其社会保险参与意愿有显著影响并呈正相关。因此,在针对农民工的社会保险制度设计中,不仅要充分考虑农民工的保障需求水平和缴费能力,还要从农民工个人特征、制度认知、企业行为的差异入手,有针对性地提升农民工的社会保险参与意愿。

A Study on the Willingness to Participate in the Social Insurance Participation of Migrant Workers and the Influencing Factors

Based on the questionnaire survey of 1000 migrant workers in four counties (cities, districts) of Xinxiang City, Henan Province, Logistic model was used to evaluate the willingness of migrant workers'' social insurance participation. The study found that migrant workers have a strong sense of insured, 90.7% of migrant workers expressed willingness to participate in social insurance. In terms of individual characteristics, the age, education and income of migrant workers have a significant impact on the willingness to participate in social insurance. In terms of institutional cognition, migrant workers'' understanding of social insurance policy has a significant impact on the willingness to participate in social insurance In terms of corporate behavior, the degree of encouragement of migrant workers'' insured has a significant effect on social insurance participation intention and is positively correlated. Therefore, in the design of social insurance system for migrant workers, we should not only give full consideration to the level of protection of migrant workers and the ability to pay, but also from the migrant workers personal characteristics, institutional awareness, corporate behavior differences, targeted to enhance social workers'' willingness to participate in migrant workers.