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使用2013年流动人口动态监测调查数据,结合多种理论模型对农民工的汇款行为及其影响因素进行了全面和系统的研究。农民工向老家汇款不仅是为了提高自身及其家人的经济福利,而且在很大程度上受他们在城市工作环境的影响。与西方学者提出的共同保险理论不同,在中国,不稳定的工作环境会显著降低农民工汇款的可能性和数额。中国特殊的家庭传统是导致农民工大规模汇款的主要原因。为农民工的工作和生活提供更多的保障有助于增加他们的汇款数额,从而提高农村家庭的经济福利。
Using the data from the 2013 Mobile Population Surveillance Survey, combined with various theoretical models, the migrant workers’ remittance behavior and its influencing factors were comprehensively and systematically studied. Migrant workers send money to their home not only to improve the financial well-being of themselves and their families, but also to a large extent by their work environment in cities. Different from the co-insurance theory put forward by western scholars, in China, the unstable working environment will significantly reduce the possibility and amount of migrant workers’ remittances. China’s special family tradition is the main reason for large-scale remittances of migrant workers. Providing more protection for migrant workers’ work and lives can help increase the remittance they receive, thereby increasing the economic well-being of rural households.