Based on the survey data in Huaian, we investigated the willingness, causes and risks of the first generation of migrant workers' self-pension, and found that the self-pension mode is gradually replacing the traditional family pension mode; migrant workers who have higher educational level and economic income are more likely to accept the pension model; Whether or not to buy social insurance and physical condition is not only related to the degree of future risk, but also the key to their choice of self-pension; self-pension is not only a kind of active choice for the migrant workers returning home, but also a compromise made after weighing the family strategy; their potential risks in the future focus on two major aspects of economic support and medical support, but they lack a certain risk perception. Therefore, the government needs to strengthen policy support and improve the basic services such as pension and medical care.%基于淮安市的调查数据,考察了第一代返乡农民工自我养老的意愿、成因及风险,结果表明:自我养老模式正逐步替代传统的家庭养老模式;文化程度越高和经济收入越高的农民工越容易接受自我养老模式;是否购买社会保险、身体状况好坏不仅与未来风险程度的高低相关,更是他们选择自我养老与否的关键;自我养老不仅是一种返乡农民工基于自身意愿的主动选择,更是权衡家庭策略后做出的妥协;返乡农民工未来潜在的风险集中于经济支撑和医疗保障两大方面,但其自身却对此缺乏一定的风险认知.因此,政府需要加强政策扶持并完善养老和医疗等基础服务.
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