Rural Household Population Structure And Insurance Allocation Demand

Nowadays,with the dual development of urban and rural economy,a large number of rural people flow to cities and towns.But stay-behind is becoming more common as young and middle-aged workers leave the countryside.The number of left-behind elderly,left-behind children and left-behind women is increasing.At the same time,the degree of aging in China is gradually deepening.Under the background of dualization of urban and rural structure,the rural population structure has undergone drastic and far-reaching changes.Under the reality of the outflow of young and middle-aged labor force and the increasing degree of aging in rural areas,the test and difficulties are more severe.In February 2023,the Opinions of the CPC Central Committee and The State Council on Comprehensively Promoting the Key Work of Rural Revitalization in 2023 was released.The document focused on the issues of "agriculture","rural" and "farmers",put forward the latest policy suggestions on rural construction,policy guarantee and institutional innovation,and strive to effectively improve the ability of rural basic public services.We will improve the social security system in rural areas.In this context,relevant research on the mechanism of influence of rural family population structure on family insurance allocation demand can provide valuable discussion and suggestions for improving the current social security situation of rural residents.Based on 794 survey data collected from three provinces in Central China in 2020 and 2021,this paper aims to analyze the impact of changes in family population structure on micro family insurance allocation demand from the perspective of population age structure and population gender structure.First of all,this paper summarizes the relevant literature at home and abroad to explore the influence of family population structure on family financial behavior and insurance demand.Secondly,Probit,Tobit and other econometric models were used to conduct an empirical analysis on the most common basic insurance items of agricultural insurance,endowment insurance and medical insurance,and the robustness of the research conclusions was discussed by using the replacement regression model and the test method of replacement variables.Then,the mechanism analysis of the population structure and the participation of household basic insurance items was carried out through cash constraints,cognitive constraints,knowledge constraints and agricultural dependence,and the heterogeneity analysis was carried out according to the explanatory variables.Finally,the conclusions are summarized and specific suggestions are put forward.The main conclusions are as follows:(1)Families with a high proportion of elderly people have a negative impact on the participation probability of family agricultural insurance;(2)Families with a high proportion of elderly people have a negative impact on the participation probability of family endowment insurance,and families with a high proportion of children have a negative impact on the participation probability of family endowment insurance.The family with a high proportion of elderly people has a negative impact on the expenditure of the new rural insurance,and the family with a high proportion of children has a negative impact on the expenditure of the commercial endowment insurance.(3)The high proportion of the elderly in the family has a negative impact on the family commercial medical insurance expenditure.The main policy recommendations are as follows:First of all,increase the proportion of compensation for agricultural insurance,the new rural cooperative medical care system and the new rural insurance system,expand the coverage of insurance,and increase government guarantee subsidies;Secondly,reduce farmers’ concerns about the uncertainty of agricultural production and enhance farmers’ confidence in expected agricultural income;Third,continue to promote the popularization of the new rural cooperative medical care policy and the new rural insurance policy,strengthen rural governance,pay attention to the cultivation of pension awareness and medical awareness,pay attention to the low-educated groups,care for the vulnerable groups in rural areas,and lower the conceptual threshold for farmers to participate in social insurance;Finally,it guides rural families to establish insurance concept and sets up typical cases to popularize the basic insurance configuration of farmers.The emphasis is on the insurance needs of rural households with basic population structure,and the actual benefits of various types of insurance for risk avoidance are introduced,and the abstract concept is concretized into real life cases.