Research On The Fishermen’s Willingness Of Attending To The Social Endowment Insurance

Fishery is an important basic industry and an important part of big agriculture.Fishermen who live along rivers, lakes and sea, generationally fish for a living. Therefore waters, tidal flat are the main production means of subsistence, and fishery is the main mode of production and life source.In the80’s of last century, the rich fishery resources make the fishermen’s income level higher than planting farmers and even equal to the city workers. However, after entering21st Century, due to the declining of offshore fishery resources and exploration to the waters, a lot of sea areas and tidal flats are developed and utilized.Meanwhile fishermen lost their living resources, and a new social vulnerable group---sea-lost fishermen is formed. Because that the sea-lost compensation and resettlement measures of our country are not reasonable, there is a substantial drop in income for the fishermen. Therefore a lot of fishermen have been unable to take into account the pension problem, and have a tough life. Based on the understandings above, and refer to a large number of related research achievements, this paper which puts the sea-lost fishermen of fishery village in the C town of Jiangsu province as the investigation objects studies sea-lost fishermen’s social willingness of participation to the endowment insurance. This paper based on the theories of Maslow’s hierarchy of needs theory, Coleman’s rational choice theory, using the quantitative and qualitative methods, researches the sea-lost fishermen’s willingness of participating into endowment insurance in-depth from three aspects,including cognition, emotion and intention. The study shows:First, on the aspect of cognition, fishermen’s general cognition is in a high level. On the access of cognition, the institutional way plays a big role in the fishermen’s cognition to social endowment insurance; on the cognition of policy publicity, most of them believe that the government’s propaganda work is effective, they already have a certain amount of understanding about the insurance; on the cognition to motivation of participation, there are intrinsic and extrinsic motivations among sea-lost fishermen; on the cognition to the reasonable pension amount, fishermen’s choice amount is generally high; fishermen’s view on the problems in the insurance, they generally felt that compared to the low level investent of government, the individual pay cost is too high, and also there are some problems in the institution design of the insurance.Second, on the aspect of emotion, the vast majority of sea-lost fishermen’s evaluation to the social endowment insurance is positive, and have a high degree of satisfaction. However, in the expectation of insurance fund management, they hope that insurance fund should be collected and managed by the grass-roots government administration.Third, on the aspect of intention, the fishermen have a strong willingness of participation and majority of them have shown their intention of further participation. Meanwhile, a proportion of the fishermen takes a wait-and-see attitude and they consider that there are shortcomings to be further improved in the social endowment insurance system.Fourth, fishermen’s willingness of participation is effected by individual factors (age, education level, physical fitness, marriage), family factors (the main source of family income, number of children,family economic status), social factors (cognition to the system, endowment ideas, concept of mutual aid, awareness of health risk).