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This study investigates the impact of commercial pension insurance participation on rural households’ land contractual management rights transfer behavior, using data from the China Health and Retirement Longitudinal Study (CHARLS) in 2018. First, we integrate theories of household decision-making and land transfer to analyze the mechanism through which insurance participation affects land transfer decisions and propose corresponding hypotheses. Second, to address endogeneity, we employ the IV Probit model with the “provincial participation rate” as an instrumental variable, and examine heterogeneous effects across age groups and regions. Robustness checks are conducted by replacing the key explanatory variable (household participation rate) and adjusting the sample period (CHARLS 2015 data). Results show that commercial pension insurance participation significantly inhibits land transfer activities, with heterogeneous effects across age and regional samples.

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Does Commercial Pension Insurance Participation Promote the Transfer of Land Contractual Management Rights?—An Empirical Study Based on CHARLS​

  • 会议论文

  • 发表日期：

    2025年

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  • Xinlong Yang,
  • Lei Yu,
  • Xinyi Luo

摘要

This study investigates the impact of commercial pension insurance participation on rural households’ land contractual management rights transfer behavior, using data from the China Health and Retirement Longitudinal Study (CHARLS) in 2018. First, we integrate theories of household decision-making and land transfer to analyze the mechanism through which insurance participation affects land transfer decisions and propose corresponding hypotheses. Second, to address endogeneity, we employ the IV Probit model with the “provincial participation rate” as an instrumental variable, and examine heterogeneous effects across age groups and regions. Robustness checks are conducted by replacing the key explanatory variable (household participation rate) and adjusting the sample period (CHARLS 2015 data). Results show that commercial pension insurance participation significantly inhibits land transfer activities, with heterogeneous effects across age and regional samples.