商业养老保险参与的影响因素分析

Influencing Factors of Participation of Commercial Endowment Insurance

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。

The reform and development of basic old-age insurance system are facing a bottleneck.Improving the system of the third pillar pension system is imperative.From the perspective of the improvement of pension system,this paper constructs the logistic regression model of influencing factors of participation of commercial pension insurance and finds out that the individual income level,educational level,background of economic development,political status,medical insurance of social security,family property(real estate and cars),number of children,professional attributes and age have a significant impact on the behavior of commercial pension insurance.Therefore,this paper proposes that it is necessary to play a synergistic interaction of social security and commercial insurance,narrow the development gap between the commercial endowment insurance areas,attach more importance to the great development space of rural commercial pension insurance,improve the level of education of all people,strengthen the popularization of commercial pension insurance knowledge,continue to improve the income level of low earners and implement the system integration of old-age insurance system and so on.