商业养老保险参与的影响因素分析

发布时间：2018-05-10 09:56

本文选题：养老金制度 + 第三支柱　；参考：《华中农业大学学报(社会科学版)》2017年05期

【摘要】：我国基本养老保险制度发展和改革正面临瓶颈,三支柱养老金制度体系的完善势在必行。从我国养老金制度体系建设和完善的视角出发,构建了商业养老保险参与影响因素逻辑回归模型,发现个人收入水平、教育程度,个体所处的经济发展水平环境、政治面貌、社会保障中的医疗保险参保行为、家庭财产(房产和汽车)、儿女数量、职业属性、年龄等都能够对商业养老保险参保行为产生显著影响,提出有必要继续协同发挥社保与商保共同作用,缩小商业养老保险地区发展差异,重视农村商业养老保险的巨大发展空间,应进一步提高全民教育水平,加强商业养老保险知识的普及,继续提高低收入者的收入水平,深入落实养老保险制度并轨等。
[Abstract]:The development and reform of the basic old-age insurance system in our country is facing the bottleneck. It is imperative to perfect the three-pillar pension system. From the perspective of the construction and perfection of China's pension system, this paper constructs a logical regression model of the factors influencing the participation of commercial old-age insurance, and finds out the level of personal income, the level of education, the level of economic development and the political outlook of the individual. Social security health insurance participation behavior, family property (real estate and automobile, number of children, occupation, age and so on) can have a significant impact on commercial pension insurance participation behavior, It is necessary to continue to play the role of social security and commercial insurance, to reduce the regional development difference of commercial endowment insurance, to attach importance to the huge development space of rural commercial endowment insurance, and to further improve the level of education for all. Strengthen the popularization of commercial old-age insurance knowledge, continue to improve the income level of low-income people, in-depth implementation of the old-age insurance system, and so on.
【作者单位】：中国人民大学公共管理学院社会保障研究所;国家发改委社会发展研究所;
【基金】：国家社会科学基金重大项目“工业化国家国民财富分配制度的重大改革、调节机制和政策体系比较研究”(12&ZD042)
【分类号】：F842.67

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