浙江省东阳市失地农村居民商业养老保险有效需求实证研究

发布时间：2019-05-23 01:45

【摘要】：当前我国农村养老问题日益严峻,且农村养老风险还在不断积聚保障农村居民老年生活成为了解决我国农村问题的关键。农村养老问题将成为我国促进城乡协调发展,建设社会主义和谐社会的重要内容。但是目前我国农村社会养老保险制度尚未完善,不能满足农民的养老需求。在我国经济快速发展,农民收入水平不断提高及教育程度不断提高的情况下,农民迫切的需要一种新的养老模式,能让他们老有所养。而商业养老保险作为社会养老保险的补充,可以减轻政府、家庭和个人的养老压力。我国已经进入人口老龄化阶段,农村居民养老问题形势严峻,收入水平低且缺乏社会保障的失地农村居民养老问题尤为严峻,养老问题关系着广大农村居民的基本利益,也关系着社会的和谐及可持续发展。在农村开展商业养老保险是解决农村养老的有效途径,本文通过对失地农村居民这一特殊群体对商业养老保险有效需求的分析,意在通过实证数据分析失地农村居民对商业养老保险的有效需求现状及影响因素,并在分析结论的基础上探讨如何提高失地农村居民对商业养老保险的有效需求和实际参保率。首先,从我国失地农村居民养老保障现状入手,指出由于社会的变迁和经济的发展,家庭养老、土地养老等传统保障方式正面临挑战,与此同时我国农村的社会养老保障存在着巨大缺陷,不能满足失地农村居民的养老需要,商业养老保险有很大的发展空间。其次,在对失地农村居民商业养老保险有效需求现状分析的基础上,指出制约失地农村居民商业养老保险有效需求的因素最后,提出了发展失地农村居民商业养老保险对策建议。论文总共分为五部分,第一部分为前言介绍了背景、目的、意义,并对国内外文献进行研究,使本研究建立在前人的研究基础之上并介绍了本研究的主要内容与研究方法。第二部分介绍论文的相关概念和相关理论,分别介绍了失地农村居民、商业养老保险、失地农村居民商业养老保险、有效需求这四个基本概念,在理论部分介绍了马斯洛需求层次理论和博弈论这两个贯穿全文的理论。第三部分对失地农村居民商业养老保险有效需求进行了层次分析,从东阳市失地农村居民商业养老保险缴费能力、东阳市失地农村居民商业养老保险参保意愿和东阳市失地农村居民商业养老保险有效需求三个方面对商业养老保险有效需求进行描述分析,最后对东阳市失地农村居民商业养老保险有效需求进行马斯洛需求层次分析。第四部分是东阳市失地农村居民商业养老保险有效需求的实证研究,论述了本文的研究设计,介绍了论文设计的思路、变量的选取,分析有效需求的影响因素,首先对对失地农村居民参加商业养老保险有效需求进行交互分析,并进行卡方检验,再对失地农村居民商业养老保险有效需求影响因素Logistic回归分析,最后分析总结。论文在第五部分提出了提高失地农村居民商业养老保险有效需求的建议。
[Abstract]:At present, the problem of the old-age pension in our country is becoming more and more serious, and the risk of the old-age pension in the countryside has become the key to solve the rural problem in our country. The problem of rural old-age pension will be an important part of our country to promote the harmonious development of urban and rural areas and to build a harmonious socialist society. But at present, the rural social endowment insurance system in our country is still not perfect, can't meet the farmer's old-age needs. Under the condition of the rapid economic development of our country, the continuous improvement of the income of farmers and the increasing level of education, the peasants need a new model of the old-age, which can make them old. As a supplement to the social endowment insurance, the old-age insurance can alleviate the old-age pressure of the government, the family and the individual. China has entered the stage of the population aging, the problem of the rural residents' old-age pension is serious, the income level is low and the old-age problem of the rural residents who lack the social security is particularly serious, and the old-age problem is the basic interest of the vast rural residents The benefit is also related to the harmony of society and the sustainable development To carry out the commercial endowment insurance in the rural areas is an effective way to solve the rural old-age pension. This paper, through the analysis of the effective demand of the special group of the rural rural residents on the effective demand of the commercial endowment insurance The purpose of this paper is to analyze the present situation and influencing factors of the rural resident's effective demand for the old-age insurance through the empirical data analysis, and to explore how to improve the effective demand and the actual enrollment of the rural rural residents to the commercial pension insurance on the basis of the analysis conclusion. First, from the current situation of the security of the rural residents in our country, this paper points out that due to the change of the society and the development of the economy, the traditional security methods such as the family pension and the old-age pension are facing the challenge, at the same time, there is a huge shortage of the social pension security in the rural areas of our country It can't meet the old-age needs of the rural residents, and the old-age insurance has a great development. Secondly, on the basis of the analysis of the present situation of the effective demand for the commercial endowment insurance of the rural residents, the paper points out the factors that restrict the effective demand of the commercial endowment insurance of the rural residents, and puts forward the countermeasures for the development of the commercial endowment insurance of the rural residents. The paper is divided into five parts. The first part is the introduction of the background, the purpose and the significance, and studies the domestic and foreign documents, so that the research is based on the previous research, and the main contents and research of this research are introduced. The second part introduces the related concepts and related theories of the paper, and introduces the four bases of the rural residents, the commercial old-age insurance, the rural rural residents' commercial endowment insurance and the effective demand, respectively. This concept, in the theoretical part, introduces the two full-text of Maslow's theory of demand and game theory. The third part analyses the effective demand of the rural rural residents' commercial endowment insurance, and pays off the commercial endowment insurance of the rural residents in Dongyang city. On the basis of the three aspects of the effective demand of the commercial endowment insurance of the rural and rural residents of the city of Dongyang, and the effective demand of the commercial old-age insurance of the rural residents in Dongyang City, The analysis, in the end, carries on the Maslow's demand layer for the effective demand of the commercial endowment insurance of the rural residents of the city of Dongyang The fourth part is an empirical study of the effective demand of the commercial old-age insurance for rural residents in Dongyang City, and the research and design of this paper are discussed. The thought of the paper design, the selection of the variables and the reflection of the effective demand are introduced. In response to the factors, an interactive analysis of the effective demand of the rural resident in the commercial pension insurance is carried out, and the chi-square test is carried out, and the influence factors of the effective demand of the commercial endowment insurance for the rural residents are analyzed by Logistic regression. In the fifth part, the paper puts forward the effective demand for improving the commercial endowment insurance for rural residents
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.89;F842.67

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