Nội dung nghiên cứu của luận văn nhằm xác định nhân khẩu và kinh tế của người lao động cho phối chính thức cũng như các yếu tố chính sách tác động tới việc học quyết định có tham gia bảo hiểm xã hội tư nguyện; từ đó đề xuất các giải pháp nhằm thúc đẩy mở rộng bao phủ xã hội tự nguyện ở Việt Nam.
1 45789 !"#$"%&'%($)*+,-./0 (112"3"%4"3"%$5 6789!"12:"3"%; 1%"@E9=?"%4"3N9@$D 60%u"=%S"%L1@["%H ls$=C=%1$SB=M"F=LB@(=C"%I"^=% @S""!J^6s$%$D9 $S1=! "%L1=Y!1C=3$ ^ 6`"=%N!=?"3%$>"=R9"0 /0 21C=@("3=Y!=C="%I"1GB% "C"%1\"%12u"36$5=/0 %!J6[1%S6$5=/0 12"3 G$= "%=C=89G=3$!=?%51%G"3_-,-rmCBV7"3=%9"3 =% 10" (/! @("3B%$=%b"%1%R=12"3@?=?/! @("31"89!" ! 3n "3Nz$1%! 3$!_-,-rm^=C==o89!"89 "/x"%0"Ns=6E_-,-=K"3"%N =C= >"/$>"89!"X%C=X%$1$SB=M"F=LB@(=C"%I"H ls$"%4"3/xV 12>"^"3%$>"=R9#$"%/"=R96E1C=@("3=Y!6[1%S6$5=/0 ^=C=@U=@$D "%I"X%{9^=C= @U=@$D 6$5=/0 X%C=^=C=JS91G6E1%a"31$"60#"/$>"89!"@S" &C=#9L11%! 3$!_-,-rm^12"3 G$= "% (189G=3$!@!"3B%C112$D"=?%51%G"3 _-,-rm@NO=CBV7"3=% 10" (/! @("3B%$=%b"%1%R=^= /! @("31"=R9/0&C=@["%=C=JS91G"%I"X%{960X$"%1S=Y!"3Nz$/! @("3 B%$=%b"%1%R==K"3"%NJS91G=%b"%#C=%1C=@("31s$6$5=%:89JS1@["%=?1%! 3$! Ä _-,-rm%!JX%a"360=%Å2!=C="39J>""%I"=Y!#"=R9">912>"^/9M"C"1MB129"312 /z$=C==I9%ẫ$ "3%$>"=R9=71%D"%N#!9p )$ kC=@U=@$D X$"%1S]&'%($=Y!"3Nz$/! @("3B%$=%b"%1%R==?1C=@("3 @S"#"=R912>"^/9M"C"=y"1MB129"360 =C="%$5 67"3%$>" =R9=%b"%"%N#!9H )$ -51%G"3%?!=o#F/x1%9JS1601%"89!"@S"1Q=%R=1%í393ẩ89Nị34N=EO34N=9NN=Y31ậMèM8MễổR:3ẹ1Iẫ1ì348=2898IK=ò3=N=: ?@3õM24IR24:).,+670/ 979 % 67 '79& 6 % 67,+670/ 9 &'67 6B F67 979 $67 6244B 67IJK670/9 &'675 56 )864L9 '79& 6 4 0944670/ 979)5 +67- 9670/ 9 &'67B F67 979 *"636M6 N676 49 &'675 % 67 '4L9 ( 44670/&O 979 +67 3 670/ 979&. &96744)45)544 6 Q"2 % 67&4 4 L 59 &'6754F67:606B6 hYO ')g67656 '4 > ,+7jH;)5.6 612)g6744&. B6&A4] B 4B :6k)5 7N96:CJR[ d &424 06B6 hYO ')g67 jH2.661)5)g67B6 hYO '&A4] B 4B :679& 6CJCRhCJC9k&0U4 Y5 6$676$9 %86)4 $4 67 a ITDnhnRT675 CJDRRDCJRS4L9o (" eb2n +4 'B 49p- 6 8624 & 6692M4#4 W6 .6612 Q" % 67&F67 &V67]5 656 '4 > ,+2,+0U67670/9 &'67 9794q6%* *" 1Ï &'K"'*H $&*AỴ) a/$f'*A&'m&*0LI*&?R&'()*(+,-, "'Ð)?7@AFBC?DBE:7FGHID@J8K@L8FMNONPQR:7S@J?DTU:VUWXYZ ấẫấọồèấổĩẫẽỗồấẹẫệố ẩẫấèẻẫẽềẫẽầẫấĩíẫấỉăíỉưóòõệầỏỉễ ếầẫấẫẽấầỏõóòõệầỏỉ đíẫẽỉệầỏỉóòõễ èấòẫấệầẫèĩẫẽấểễ ơẩẫấồấƠưẫẽỉĩẫèĩẫẽấểềíẫẽềầấịỉ ỉĩẫèĩẫẽấểềíẫẽềầấịỉ Đòỉấăấểâóòỉấăấểêô ếấệìỉẫẽ ấÔầẽầíẫỉƠèƯ ẩẫấềểễ ẩẫấềểấịỉệÊẫ ẩẫấèẻẫẽấéẫẫấẹẫ ầĂầèÂẫấ ặầ àẫấấẫẽềảỉềầÃõ àẫấấƠẫẽỉÊèƯỉ 6789 5 988 89 8 8 !"9 #$%&89$ '6(6)*$+,-9ưđ8.ư808923/8948.5$0892 6789:;=>?7@ABC?DBE:7FGHID@J8K@L8FMNONPQR:7S@J?DTU:VUWXYZ 678797;?@A=BCDEF@ADG@HI=O@PQDECRAGCJSTEGURVW E?GDQ@ANXY@ Z[W[\[Y[=>?QR:7?]NF^_:7F@:Q`:aF^NU7@NbAP^@cUde^R@F:78fJ: v_g^hb_d_`vwgh`Ơmd^ghdbgvgjd^mnhbmopqprsukgg_guneh^mb lgv\r^g^lddn^bkj^bkabd\^cd^ighopqp`^vwv|gh^xygh opqprs`Ơmghxjb^bcgvmghd^mnhbmopqprsg^knv_g^hb_d^ghdbggfvxÂ` ghxjbumfvwghkmgdndex`jmk]^bvkdvlg^d^mnhbmopqprsr^^mbdn ^bkn`vwdb`gg`_`ghkmgd^ghdbg^bckk`ghd_`dkngdek\gvibbghxjb umfvwgh^bcgvmghd^mnhbmopqprs Z[W[\[W[=>?QR:7?]N?>?bo:D@o:p8N:Q`:aF^NU7@NbAP^@cUde^R@F:78fJ: ;Eq@ErDsHtPQuEvGEwuDEQ=EGY@=BC=#@%)I/%#LO=#6/*'7(9%;C#/H:#6//S."9:..,(%) @%).z/589D#@%)*'#E%#7(10%589D#@%)'4''-D*>R%)'|%).1;@(5/S%/S."9: LO;@(5/S%'-D.%#*.#O%#D#3*#(1S%*LO'4'.R'#F'*5CO%.#H%#@#6/D#ặ%ầPQ #9:)/9'?9'4'.R'#F'5CO%.#HN:6.P3589D#@%)%#:./2D'%.(1J%.,(10%.z/ %)#6)/95$%#ầPQ.#9:)/9.E'#'Q''?9'4''7(9%.,(10%.#|%)*I4C'#E.,C%)L/S' (1J%.,(10%*D#RI/2%'#E%#P4'#;.9670 =6" %66 47A& 7:6+%J %6626E60 1677E67 7/4 I677# 6 8 7[67+, 47 " %66 ( 9677>A6 8 4B677#46A4 J66+,47 !(!#$3 49677>A686%479-7B6P649 7? 84& 647V646/ !8644 7:6( 7\%3867267[674%6-40 B 46+,47 !347?@ A4 &7 44%60 49674 E64 /68&7I.67567+ 76J6#$ %6&77567 47'7#[47 0 B%(!#$ %6349677>A647A&7:647#$6-73-7P6 7:6-7&7B4&67 647V6460 &7'4[&8-73767J(]%380 49674 E6 4 /68&7I.67567+ 7^6 677%[4/796747'86_ 64 E64 /6J 673 4#F6-7 67 ( 67E68J673 %64, 8 7"86#$34967 7>A64H [7>44 E6 [3@ + A447 !47A&7:6+%J673 349674H4? 7>64 67>&7I47V68673 0 8%4[%4 6A&8% `67 E667&( Z40 B67E6' 68*67%47A86#$ %6639678386 67/ %64%64 I64#$6479865447 !(a347?67 647A8 96786367/ %664%64 I7>64HRMbc4 I;87&75+677%[4967 874E 7% %_C"7967+d4P6%7:6( %6-7/ -647 67 &" 6#$ %6-7V647I844- "7967+dB ( %6-738-7 47 !867/ 6#$ %67%D6= 8-7%B644- 7%4#:6 ( ]%386 47 67 &7[6787>.e4 &7B# 4E6 -7%B674E _f64%66e6 7[6 8.g0 0 416747 !(Z40 B68 8P6'0 64>67% 1h 6726Fi7567+ 77j4F47 !7%6726796763%6 4%64 I7>(