王群,王芳菲,张梦洋

• 1:大连理工大学公共管理学院
• 2:大连理工大学人文学院

摘要(Abstract)：

我国多层次社会保障体系中的补充保障发展滞后。基于行为公共管理中“有限理性”与“社会偏好”的核心观点，本研究设计“个人风险”与“社会公益”两个信息框架，并根据前景理论选取风险感知、感知价值为中介变量，通过两个实验，以惠民保为例探讨信息框架对补充保障参与意愿的影响机制。研究发现，在理赔条件适中及较为苛刻的产品情境下，社会公益框架均可显著提升惠民保的参与意愿，且风险感知和感知价值的中介作用均成立；而个人风险框架的助推效果及其作用路径则因理赔条件的不同而存在差异。研究结论对助推补充保障发展具有实践参考意义。

关键词(KeyWords)： 助推;补充保障;惠民保;信息框架

Abstract:

Keywords:

基金项目(Foundation): 国家自然科学基金面上项目“行为经济学视角下助推型信息对惠民保参保行为的干预效果及影响机制研究”(项目批准号:72274027)的资助

作者(Author): 王群,王芳菲,张梦洋

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