基于CHARLS经验数据的失地农民养老保险需求影响因素分析

Analysis on the Influencing Factors of Endowment Insurance Demand for Land-lost Farmers Based on CHARLS Empirical Data

本文基于CHARLS数据,运用Logit回归模型对影响失地农民投保、失地农民养老保险意愿需求的因素进行分析。研究结果表明:投保者的年龄、子女数量、投保后得到的养老保障、死亡风险和其他参加养老保险情况等均有显著影响,其他方面影响不大。对此,本文提出了几点相应的政策建议。

Based on CHARLS data,this paper uses Logit regression model to analyze the factors that affect the willingness of land-lost farmers to purchase insurance and endowment insurance.The results show that:the age of the insured,the number of children,the pension insurance,the risk of death,and other participation in endowment insurance all have a significant impact on the willingness to purchase insurance among other aspects.In view of this,this article puts forward several corresponding policy recommendations.