黑龙江省农村居民商业养老保险参保决策的影响因素研究

发布时间：2018-02-22 07:56

本文关键词： 农村商业养老保险参保决策影响因素 LOGISTICS回归分析　出处：《东北农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：在人口老龄化问题日益严重的广大黑龙江省农村地区,传统的养老保障已不足以保障农村居民未来的生活问题,如果只是单纯的依靠政府和家庭的支持,并不能提高农村老年居民的生活水平,保证农村老年居民的晚年生活质量。商业养老保险是社会养老保险的重要补充,可以填补社会养老保险的空白地带,具有专业性强、产品灵活等特征,满足不同层次消费者的不同需求,拓展农村地区的社会保障范围,减轻政府、家庭和个人的养老压力。但是通过对实地调查研究发现,黑龙江省存在农村居民对商业养老保险潜在需求较高而实际参保率却较低这一现状,农村商业养老保险潜在需求与实际参保率存在非对等关系。所以说,农村居民拥有明确的参保决策,保险公司提供丰富可靠的保险产品,健全的法律法规是完善黑龙江省农村养老保障体系的法宝。当前保险公司在开拓黑龙江省农村养老保险市场方面虽然已取得一定的成绩,但仍存在参保不积极,发展动力始终不足等问题。因此,对农村居民投保决策影响因素的研究是一项系统而又复杂的工程,如果根据农村居民参保决策的几个重要影响因素有针对的提出增加黑龙江省农村商业养老保险参保率的对策建议。本文以黑龙江省农村居民这一微观主观为研究对象,以黑龙江省的哈尔滨市、七台河市、黑河市三个地方的农村为研究样本区域,对这些地区的农村居民在商业养老保险参保情况方面进行抽样调查。将农村居民参保决策的影响因素从个人层面、家庭层面、认知层面、供给层面这四大方面分别展开。首先,阅读了大量国内外文献对学者的研究观点进行阐述分析,同时阐明研究黑龙江省农村商业养老保险的背景、目的与意义。在此基础上,又对农村居民参加商业养老保险的必要性及发展现状进行分析。其次,本人通过相关理论及相关方法的研究后,进行了实地调研,做到理论与实际相结合,再次,对调查结果进行影响因素分析,并用LOGISTICS模型对其进行实证检验,以了解农村居民进行商业养老保险参保决策各影响因素的程度,得出九个因素对商业养老保险参保决策具有影响,分别是,家庭年收入、对保险公司服务满意程度、对养老保险的了解程度、身体状况、教育程度、家庭支出、保费金额、子女数、对保障水平的满意程度。最后,有针对性的从政府政策层面和保险公司层面为提高黑龙江省参保率提出建议。
[Abstract]:In the vast rural areas of Heilongjiang Province, where the problem of population aging is becoming increasingly serious, the traditional old-age security system is no longer sufficient to ensure the future life of rural residents, if only relying on the support of the government and families. Commercial old-age insurance is an important supplement to social old-age insurance, it can fill the blank area of social old-age insurance, and has a strong specialization. Flexible products and other characteristics, to meet the different needs of consumers at different levels, to expand the scope of social security in rural areas, and to alleviate the pressure on the government, families and individuals to provide for the aged. In Heilongjiang Province, the potential demand for commercial old-age insurance is high but the actual participation rate is low, and the potential demand for rural commercial old-age insurance is not equal to the actual participation rate. Therefore, there is a non-reciprocal relationship between the potential demand for rural commercial old-age insurance and the actual participation rate. Rural residents have a clear decision to participate in insurance, insurance companies provide a wealth of reliable insurance products, Sound laws and regulations are a magic weapon to perfect the rural old-age security system in Heilongjiang Province. Although the insurance companies have made some achievements in developing the rural old-age insurance market in Heilongjiang Province, they still have not actively participated in the insurance. Therefore, it is a systematic and complex project to study the influencing factors of rural residents' insurance decision. If according to several important influencing factors of rural residents participating in insurance policy, the countermeasures and suggestions to increase the participation rate of rural commercial old-age insurance in Heilongjiang Province are put forward. This paper takes the rural residents of Heilongjiang Province as the research object. Taking the rural areas of Harbin, Qitaihe and Heihe in Heilongjiang Province as the sample areas, A sample survey was conducted on the commercial old-age insurance participation of rural residents in these areas. The influencing factors of rural residents' participation decision-making were carried out from the individual level, the family level, the cognitive level, and the supply level. First of all, After reading a large number of domestic and foreign documents, this paper expounds and analyzes the scholars' research views, and expounds the background, purpose and significance of the research on the rural commercial endowment insurance in Heilongjiang Province. Secondly, through the research of relevant theory and related methods, I have carried out field investigation, so as to combine theory with practice, again, This paper analyzes the influencing factors of the survey results and makes an empirical test on them with LOGISTICS model in order to understand the extent of the influencing factors of the commercial endowment insurance policy decision made by rural residents. It is concluded that nine factors have an impact on the decision of commercial old-age insurance participation, namely, the annual income of the family, the degree of satisfaction with the service of the insurance company, the degree of understanding of the old-age insurance, the state of health, the level of education, the expenditure of the family, and the amount of the premium. The number of children, the degree of satisfaction with the level of security. Finally, from the government policy level and insurance company level to improve the rate of insurance in Heilongjiang Province put forward suggestions.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.67

【参考文献】