家庭结构对我国商业养老保险需求的影响研究

发布时间：2018-03-03 15:10

本文选题：家庭结构　切入点：商业养老保险需求　出处：《西北大学》2017年硕士论文　论文类型：学位论文

【摘要】：家庭是社会生活的基本组成单位,承担着家庭成员的养老、医疗、教育等诸多方面的保障功能,自新中国成立以来我国家庭结构发生了很大的变化,主要表现为核心家庭减少、单人户上升以及直系家庭稳定,直系家庭、核心家庭、单人户以及其他家庭结构面临的养老风险不尽相同,因此对于商业养老保险需求也不尽相同。2015年推进的二孩政策在未来几十年会推动家庭结构发生更加深刻的变化,我国面临的养老负担也会加重,因此深入分析我国家庭结构对商业养老保险需求影响对正确理解相关政策以及向保险公司提出适应需求的政策建议具有重要意义。本文研究分析了家庭结构对商业养老保险需求影响的问题。首先分不同视角对国内外相关文献进行梳理,概述了家庭结构与商业养老保险需求相关理论,并对我国养老保险发展的现状进行定型和定量分析。最后,基于2011年中国家庭金融调查(CHFS)数据分别使用Probit回归模型与Logit回归模型,从微观层面研究不同家庭结构与商业养老保险需求之间的关系。结果表明:单人户并不会对于商业养老保险需求有显著影响,可能是因为家庭只由一个组成,不存在赡养老人的压力,而且对养老的概念较为模糊,因此对商业养老保险需求较少;核心家庭显著抑制商业养老保险需求,原因可能是家庭中有经济能力的人较多,子女未婚,面临的养老风险较小;直系家庭会显著促进商业养老保险需求,直系家庭中人员较多并且家庭中需要被赡养的人越多,因此对于商业养老保险需求越大。基于研究结果,本文提出了从保险公司供给端改善以缓解养老压力的几点建议:(1)提高商业养老保险产品针对性;(2)提高商业养老保险保障程度;(3)加大养老保险宣传力度。
[Abstract]:The family is the basic unit of social life, bear the family pension, medical care, education and other aspects of the security function, the new Chinese since the establishment of China's family structure has undergone great changes, mainly for the core family reduced, single person households and the rise of direct family stability, immediate family, nuclear family, pension risk facing the single family and other family structure is not the same, so for the commercial endowment insurance demand are not the same.2015 years to promote the two child policy in the coming decades will promote the family structure changes more deeply, the pension burden faced by China will also increase, so the in-depth analysis of the impact of China's family structure of commercial pension the insurance needs to correctly understand the relevant policies and insurance companies to have important significance to meet the needs of policy recommendations. This paper analyzes the structure of family business Effect of industry endowment insurance demand. Firstly, different perspectives on the domestic and foreign related literatures, summarizes the theory of family structure and commercial endowment insurance demand, and analyzes the status quo of the development of endowment insurance in China to conduct design and quantitative analysis. Finally, based on the 2011 Chinese Household Finance Survey (CHFS) data using Probit regression model with the Logit regression model, the relationship between the micro level of different family structures and commercial pension insurance demand. The results show that the single family does not have significant impact on the commercial endowment insurance demand, may be because the family by only one which does not exist to support the elderly and pressure on pension concept is vague, so the commercial endowment insurance demand is less; the core family significantly inhibited the commercial endowment insurance demand, may have economic ability in the family with more people, not children Marriage, pension risk faced is small; the immediate family will significantly promote the commercial endowment insurance demand, more people need more dependents of the immediate family and family, so for the pension insurance business in greater demand. Based on the research results, this paper puts forward some improvement proposals to ease the pressure of the pension insurance company from the supply side: (1) improve the commercial pension insurance products targeted; (2) improve the level of pension insurance business; (3) increase the endowment insurance publicity.

【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：C913.1;F842.67

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