企业养老保险参保决策影响因素实证研究——基于湖北省枣阳市企业调查数据分析

发布时间：2019-02-18 16:39

【摘要】：文章以湖北省枣阳市为例探索企业养老保险参保决策影响因素及制度。根据实地企业调研分析影响企业及职工参与养老保险的主要制约因素,从收支两条线、企业和职工双重视角进行了全面的分析。实地调研以湖北省枣阳市相关企业为基础,分别涉及对相关企业的问卷调查、主要负责人的访谈以及对调查企业员工的问卷调查,在数据搜集的基础上进行统计分析和计量回归分析,分析结果显示职工学历、婚姻状况、家庭总人口数、家庭老人数、对养老保险了解程度、是否签订合同、单位性质、职业特征等变量均与其是否参与企业养老保险存在显著的关系。最后,通过对枣阳市养老保险风险评估及在微观层面的主要影响因素实证分析的基础上,提出了全面参保缴费基数不宜过高、避免"五保合一"造成小保险拖累大保险、经办机构应进一步科学设置等政策建议和探索。
[Abstract]:Taking Zaoyang City, Hubei Province as an example, this paper explores the influencing factors and system of enterprise pension insurance decision. According to the investigation and analysis of field enterprises, this paper analyzes the main restrictive factors that affect the participation of enterprises and employees in old-age insurance, and makes a comprehensive analysis from the two lines of income and expenditure, enterprises and staff and workers. The field investigation is based on the related enterprises in Zaoyang City, Hubei Province, involving the questionnaire survey of the related enterprises, the interviews of the main responsible persons and the questionnaire survey on the employees of the surveyed enterprises, respectively. On the basis of data collection, statistical analysis and quantitative regression analysis are carried out. The results show that the educational background, marital status, total family population, the number of elderly families, the degree of understanding of pension insurance, whether contracts are signed, and the nature of the unit, Occupational characteristics and other variables have a significant relationship with whether they participate in the enterprise pension insurance. Finally, on the basis of the risk assessment of pension insurance in Zaoyang City and the empirical analysis of the main influencing factors at the micro level, the paper puts forward that the base of comprehensive insurance payment should not be too high, and avoid the "five guarantees in one" to cause small insurance to drag down the big insurance. Agencies should further scientific establishment and other policy recommendations and exploration.
【作者单位】：武汉大学社会保障研究中心;
【基金】：教育部人文社会科学重点研究基地重大项目(课题批准号:10JJD630009) 湖北省中小企业研究中心资助成果
【分类号】：F842.67

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