农村居民购买商业养老保险意愿的影响因素分析

Analyzing the Influencing Factors of the Willingness of Rural Residents to Buy Commercial Pension Insurance

通过对湖南省112户农村居民的调查,运用Probit模型对农村居民购买商业养老保险意愿的影响因素进行实证分析,结果表明:目前我国有超半数以上的农村居民不愿意购买商业养老保险,商业养老保险在农村地区还未充分发挥其保障作用。农村居民年龄、受教育程度、家庭年纯收入、对商业养老保险的了解程度、对养儿防老的态度、政府宣传商业养老保险的影响程度等对农村居民购买商业养老保险的意愿有显著影响。

Through the survey of 112 rural residents in Hunan province,this paper analyzes the influencing factors of rural residents to buy commercial pension insurance empirically using the Probit model.The paper draws a conclusion that at present our country,more than half of the rural residents is not willing to buy commercial pension insurance,and commercial pension insurance in rural areas have yet to give full play to their role.The age of rural residents,the level of education,the family income,the rural residents understanding degree of commercial pension insurance,the rural residents attitude to raise children to provide against old age,the influence degree of the government＇s publicity of commercial pension insurance on rural residents to buy commercial pension insurance will have a significant impact.