城乡居民基本养老保险参保意愿及其影响因素分析——基于西安市的问卷调查

The Willingness for Endowment Insurance System for Urban and Rural Residents and Impacting Facts:Base on the 394 Questionnaire Data of Xi'an City

基于2016年7-8月项目组在西安市六个区县的394份问卷调查数据,运用二元Logistic回归分析模型,对城乡居民基本养老保险的参保意愿及其影响因素进行实证分析。研究结果表明:年龄、受教育程度、自感收入水平、子女数目、对城乡居民基本养老保险的了解程度和对未来自身养老问题的担忧程度六个变量对居民参保意愿正向影响显著;年龄大的居民比年龄小的居民参保意愿强;受教育程度越高的居民参保意愿越强;自感收入水平每提高一个档次,居民的参保意愿增加1.620倍;子女数目每增加一个,居民愿意参保的可能性增加2.018倍;对城乡居民养老保险的了解程度每提升一个档次,居民的参保可能性增加1.607倍;对未来自身养老问题的担忧程度每提升一个档次,居民的参保可能性增加3.044倍;婚姻状况对居民参保意愿反向影响显著;性别、户籍类型、职业对居民参保意愿没有显著影响。

The article is based on 394 questionnaires in six counties of Xi＇an city, using regression of binary Logistic modal which systematically analyzes the willingness for endowment insurance system for urban and rural residents and impacting facts.The result shows that age,level of education, perceived income,number of children,understanding of the policy and worry of themselves supporting problem have positive effects on the insurance intention.The insurance intention of older people is more stronger than younger man;the more educated people are, the more likely they are to participate;when the perceived income promote a level, the insurance intention will increase by 1.620;the insurance intention will increase by 2.018 while number of children increasing one;the understanding of the policy promote a level, the insurance intention will increase by 1.607; when the worry of their supporting problem promote a level, the possibility of insurance intention will increase by 3.0d4.The marital status has the negative effect on insurance intention.Besides, the gender, household registration and occupation have little influences on insurance intention.