退休职工养老保险满意度影响因素研究

发布时间：2019-06-11 12:13

【摘要】：在养老保险的研究中,参保人的满意度研究是一个非常重要的议题,但目前学术界很少从微观层面来探讨退休职工养老保险满意度的影响因素。本文从参保人的角度对养老金满意度展开研究,并收集南方五省退休职工2 772份有效问卷进行实证分析,取得了一些有意义的研究结果:养老金满意度受参保人健康状况、养老金水平、家庭财产的正向影响,而参保年限、支出状况与养老保险满意度之间呈负相关关系;退休前工资对养老保险满意度的影响不大,但退休前任职级别却与养老保险满意度有负相关关系;参保人的婚姻状况与配偶的经济收入状况也对参保人的养老保险满意度产生重要影响。本研究对完善我国养老保险制度有重要启示,也可为相关政策实施提供决策依据。
[Abstract]:In the study of pension insurance, the study of the satisfaction of the insured is a very important issue, but at present, the academic community rarely discusses the influencing factors of the satisfaction of retired workers from the micro level. This paper studies pension satisfaction from the perspective of the insured, and collects 2772 valid questionnaires for retired workers in five southern provinces for empirical analysis, and obtains some meaningful research results: pension satisfaction with the health status of the insured, The level of pension, the positive influence of family property, and the number of years of insurance participation, expenditure status and pension insurance satisfaction have a negative correlation between the level of pension, the positive impact of family property, and the number of years of insurance participation. The pre-retirement salary has little effect on the satisfaction of old-age insurance, but there is a negative correlation between the level of service before retirement and the satisfaction of old-age insurance. The marital status of the insured and the financial income of the spouse also have an important impact on the pension insurance satisfaction of the insured. This study has important implications for perfecting the old-age insurance system in China, and can also provide decision-making basis for the implementation of relevant policies.
【作者单位】：中山大学岭南学院;
【基金】：国家社科基金重大项目“新时期中国民生保障体系建设研究”(10zd&038) 教育部人文社会科学青年项目“基于社会网络和社会参与的老年人精神赡养研究”(11YJCZH134) 广东高校优秀青年创新人才培养计划项目“基于社会网络视角的弱势群体社会保障问题研究”(wym11002) 中山大学青年教师培育项目“基于老年群体差异的养老服务需求研究”(12wkpy60)
【分类号】：F840.6;F224

【参考文献】