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民生是本届中国政府关注的重要目标,农民的生活保障是民生的重要内容。本文运用国家农村固定观察点2003～2006年的跟踪调查资料,对4年来中国农民生活保障的保险参与力度以及保险的普及面等问题做出了分析。分析表明:农民传统的生活保障观念出现了很大转变,传统保障正向商业保险转移,农民的保险费支出增加,保险面提高。而进一步的统计性分析和计量模型表明:收入水平、消费水平、家庭生命周期、文化教育水平、区域差异等因素都是影响农民保险支出的重要变量。进一步制定相关政策,引导农民改变传统的生活保障观念,提高农民的生活保障水平,是政府机关必须重视的重要课题。
People’s livelihood is an important goal that the Chinese government is concerned about now. The livelihood guarantee of peasants is an important part of people’s livelihood. In this paper, the follow-up survey data of fixed observation points in rural areas from 2003 to 2006 are used to analyze the insurance participation of China’s peasants’ livelihood security and the popularization of insurance in the past four years. The analysis shows that the peasants ’traditional concept of living security has undergone great changes, the traditional insurance is shifting to commercial insurance, the peasants’ insurance premiums increase, and the insurance premiums increase. Further statistical analysis and measurement models show that income, consumption level, family life cycle, culture and education levels, regional differences and other factors are all important variables affecting peasant insurance expenditures. To further formulate relevant policies and guide peasants to change their traditional concept of living security and improve the level of peasants’ life support is an important issue that government agencies must attach importance to.