摘要
本文以有限理性为研究假设,基于经典理论下的农民工保险需求及参保行为分析框架,考察了城市融合进程中农民工风险偏好和社会保险需求的变动规律。并通过实证调研数据,验证了中国农民工城市融合过程中存在保险需求随财富水平增加不降反升的"悖论"现象。研究结果认为,随着融合阶段的推进,农民工风险偏好没有实现厌恶型向投机型的转变,有限理性假设下农民工理性行为和非理性行为的博弈过程是导致这一悖论出现的主要原因。其中,收入水平有限、制度认知不足、权力意识的缺乏与制度设计不合理是造成融合初期农民工保险需求不足的原因;现行城乡非均等化的公共服务体系及"社会比较"心理是导致融合后期农民工社会保险需求仍然较强的可能解释。
This paper talks about the social insurance acts and requirements of the migrant workers under the classical theory for the study of bounded rationality assumption, and analysis of the law about the demand for social security and risk preferences of migrant workers during the integration process. The empirical result shows that there is a ＂the paradox of insurance needs＂ phenomenon with integration of migrant peasant workers based on the survey data. Study concluded that, with the integration phase of the advance, migrant workers do not realize the risk-averse preference for speculative changes to the limited rationality of migrant workers under the assumption of rational behavior and irrational behavior during the game is the main reason that led to this paradox appears. Among them, the income level is limited, the lack of recognition system, a lack of awareness of the power system design and integration of the initial cause of an unreasonable insurance needs of migrant workers because of insufficient; the present urban and rural non-equalization of public service system and ＂social comparison＂ is the result of psychological integration the latter part of the social security of migrant workers is still strong demand for the possibility of explanation.
出处
《经济管理》
CSSCI
北大核心
2011年第10期159-166,共8页
Business and Management Journal ( BMJ )
基金
国家社会科学基金项目"农民工城市融入问题研究"(11CGL06)
教育部人文社会科学研究基地重大项目"社会保障风险管理"(2009JJD630008)
国家自然科学基金项目"社会救助与促进就业互动机制的构建"(71003045)
关键词
有限理性
非均等化
风险偏好
保险需求
bounded rationality
non-equal
risk preferences
insurance needs
