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利用本人于１９９７年赴山东泰安市获得的个案资料，本文用定性研究的方法，对农民参加社会养老保险的过程、态度和影响因素进行了分析。结果表明，农民主要通过制度性途径获得关于农村社会养老保险的知识，投保决策一般由夫妇双方共同商讨作出，家庭其他成员也有一定的影响，对新政策的不完全信任，使农民的保费水平远低于纯经济决策均衡水平，农民养老方式的选择趋于多样化，社会养老保险的养老替代功能基本得到农民的认可，农民社会养老保险知识的有限性限制了农村社会养老保险事业的进一步发展。
Using the case data that I went to Taian City, Shandong Province in 1997, this paper analyzes the process, attitude and influential factors of peasants participating in social pension insurance by means of qualitative research. The results show that peasants obtain the knowledge of rural social endowment insurance mainly through institutional means. The policy of insurance decision is generally discussed by both husband and wife. Other family members also have certain influence. The incomplete trust in the new policy makes farmer’s premium far The choice of the mode of pension for the peasants tends to be diversified. The alternative function of the pension for the social pension insurance has basically been approved by the peasants. The limited knowledge of the peasants’ social pension insurance has limited the further development of the rural social pension insurance.