兰州市城镇居民商业养老保险需求影响因素研究

发布时间：2018-06-01 12:35

本文选题：兰州市 + 城镇居民　；参考：《兰州大学》2014年硕士论文

【摘要】：所谓商业养老保险是指以获得养老金为主要目的的长期人身险,它是年金保险的一种特殊形式,又称为退休金保险,具有专业性强、产品灵活等特征,可以满足人们不同的需求,是社会基本养老保险的补充。兰州市作为甘肃省省会城市,人口密度较大,老年人口抚养比较大,人口老龄化程度超过全国总水平。与此同时,社会养老保障体系尚不完善,社会基本养老保险远远不能满足人们的养老需求,个人、家庭、社会的养老问题日趋严重。在此情况下,商业养老保险需求理应很大,而当前兰州市城镇居民商业养老保险市场需求明显不足,商业养老保险作用没有发挥出来。为此,本研究选取了兰州市的部分地区对城镇居民进行调查研究,获得第一手材料,对兰州市商业养老保险需求的各影响因素进行描述性统计分析和实证检验,以了解各因素的影响程度,提出刺激商业养老保险需求的建议。本文共包括六个部分：第一部分介绍了研究背景与意义、研究思路与方法,综述了国内外相关研究成果；第二部分概述了相关理论；第三部分从保险机构、险种供给、保费收入与保险金给付支出等方面对兰州市商业养老保险现状进行分析；第四部分通过对调查问卷的分析,定性描述了兰州市商业养老保险需求的影响因素；第五部分使用Logitp模型回归对兰州市城镇居民商业养老保险需求影响因素进行了实证检验,结果显示,对兰州市城镇居民商业养老保险需求有正影响的变量,按影响大小依次为,对商业养老保险的了解程度、亲朋好友购买商业养老保险行为影响、保险公司服务满意程度、对现有险种保障水平的满意程度、子女数、家庭人均年收入；对兰州市城镇居民商业养老保险需求有负影响的变量,按影响大小依次为,现有险种保费高低程度、企业是否参加补充养老保险计划、身体状况、社会基本养老保险满足养老需求程度。总体而言,供给因素对兰州市城镇居民商业养老保险需求影响最大,其次是家庭因素和社会因素,而个人因素、单位因素、认知因素相对影响较小；第六部分在前五部分研究的基础上总结研究结论,并提出有针对性的对策建议。
[Abstract]:The so-called commercial endowment insurance refers to the long-term life insurance with the main purpose of obtaining the pension. It is a special form of annuity insurance, also called pension insurance, which has the characteristics of strong specialization, flexible products, etc. Can meet people's different needs, is the social basic endowment insurance supplement. As the capital city of Gansu Province, Lanzhou has a large population density, a large number of elderly people, and an aging population that exceeds the total level of the whole country. At the same time, the social old-age security system is not perfect, social basic old-age insurance can not meet the needs of the people, the individual, the family, the social old-age problems are becoming more and more serious. In this case, the demand for commercial old-age insurance should be very large, but at present, the demand for commercial old-age insurance for urban residents in Lanzhou is obviously insufficient, and the role of commercial old-age insurance has not been brought into play. For this reason, this study selected parts of Lanzhou City to investigate and study urban residents, obtain first-hand materials, and carry out descriptive statistical analysis and empirical test on the factors affecting the demand for commercial old-age insurance in Lanzhou. In order to understand the impact of various factors, proposed to stimulate the demand for commercial pension insurance proposals. This paper consists of six parts: the first part introduces the research background and significance, the research ideas and methods, summarizes the relevant research results at home and abroad; the second part summarizes the relevant theory; the third part from the insurance institutions, insurance supply, The paper analyzes the current situation of commercial endowment insurance in Lanzhou from the aspects of premium income and payment of insurance funds. The fourth part qualitatively describes the influencing factors of the demand for commercial old-age insurance in Lanzhou through the analysis of questionnaire. The fifth part uses the Logitp model regression to carry on the empirical test to the Lanzhou city resident commercial endowment insurance demand influence factor, the result shows that the Lanzhou city resident commercial endowment insurance demand has the positive influence variable, according to the influence order is, The degree of understanding of commercial old-age insurance, the influence of the behavior of relatives and friends to buy commercial endowment insurance, the satisfaction degree of insurance company's service, the satisfaction degree of the existing insurance level, the number of children, the average annual income of the family; The variables that have a negative effect on the demand for commercial old-age insurance for urban residents in Lanzhou are, according to the order of influence, the degree of insurance premium of the existing insurance, whether the enterprise participates in the supplementary pension insurance plan, and whether the enterprise is in good health. Social basic endowment insurance meets endowment demand degree. In general, supply factors have the greatest influence on the demand of commercial old-age insurance for urban residents in Lanzhou, followed by family factors and social factors, while personal factors, unit factors and cognitive factors have a relatively small impact; The sixth part summarizes the research conclusions on the basis of the first five parts, and puts forward some countermeasures and suggestions.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67

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