失地农民商业养老保险需求意愿影响因素分析——基于浙江东阳失地农民的调查

Analysis on the Factors Affecting the Demand of the Commercial Pension Insurance for Landless Farmers——Investigation of Landless Farmers from Dongyang in Zhejiang

以浙江省东阳市245个失地农民为样本,结合失地农民的特点,针对失地农民商业养老保险需求意愿影响因素进行问卷调查。在对调查结果进行分析后,采用逻辑斯蒂回归模型进行实证分析。分析结果显示,性别、文化程度、健康状况、婚姻状况、家庭人口、保险工作人员服务态度、保险产品合适度、保险公司信用对需求意愿没有显著影响;年龄、养老期望、自评家庭富裕程度、家庭耐用品价值及是否参加其他养老保险对需求意愿有显著影响。

The article take 245 landless farmers from Dongyang City in Zhejiang Province as a sample, combined with the characteristics of landless farmers, a questionnaire survey is conducted to investigate the influence factors of the demand for landless farmers＇commercial pension insurance. After analyzing the results, logistic regression model is introduced for empirical analysis. The results show that gender, education level, health sta- tus, marital status, family population, the attitude of insurance staff service, the suitability of insurance product, as well as the credit of insurance company had no significant effect on the demand. Whereas, the age, nursing expectation, self - rating level of family prosperity, the value of the familyg durable goods and participation of other pension insurance have a significant impact on the demand.