大规模的人口流动是我国工业化、城镇化进程中最引人瞩目的社会现象,其服务管理,尤其是社会保障管理已经成为影响我国改革和发展的重要因素。新时期的流动人口较之早期流动人口出现了诸多个性化的需求特征,形成了“三低”局面。一是收入水平低。目前流动人口群体中低收入阶层依然占据较大比重,4.5%的流动人口家庭人均收入低于500元,27%的家庭人均收入低于1000元。二是参保率低。在就业的流动人口中,52%没有参加任何社会保险。以农业流动人口为例,其医疗保险平均参保 Large-scale population flow is the most noticeable social phenomenon in China’s industrialization and urbanization process. Its service management, especially social security management, has become an important factor that affects China’s reform and development. The floating population in the new period has many personalized demand characteristics compared with the early floating population, forming a “three lows” situation. First, low income levels. At present, the low-income groups in the migrant population still occupy a large proportion. 4.5% of the migrants have a per capita income of less than 500 yuan and 27% of the families have a per capita income of less than 1,000 yuan. Second, the insured rate is low. Of the migrant workers employed, 52% did not participate in any social insurance. Take the agricultural floating population as an example, and its medical insurance is insured on average