老年人基本养老保险参保行为影响因素研究——基于CGSS2017数据的实证分析

A Study on the Influencing Factors of the Participation Behavior of Basic Endowment Insurance for the Elderly:an Empirical Analysis Based on CGSS2017 Data

随着人口老龄化的日益加剧,“十四五”时期我国提出要实施积极应对老龄化的国家战略。利用CGSS2017的数据,通过构建二元Logistic回归模型探究老年人基本养老保险参保行为的影响因素,研究结果显示:在个体特征中,户口对老年人参保行为有显著影响,个人年收入与老年人参保行为负相关;在家庭特征中,家庭经济水平和子女数量均会影响老年人参保;在社会态度中,老年人对社会是否信任、是否购买商业养老保险并不会对其参保产生显著影响,而基本医疗保险是否在保对其参保行为影响显著。根据研究结论,政府应从老年人的个体、家庭和社会特征三个层面出发,全面查漏补缺、有的放矢,加大政策宣传力度,重点关注弱势群体,统筹各方资源,以应对人口老龄化带来的挑战。

With the population aging increasingly serious,during the“14th Five-Year Plan”period China has proposed to implement an active aging national strategy.Based on CGSS2017 data,the influencing factors of the participation behavior of the elderly in basic endowment insurance are explored by constructing a Binary Logistic Regression model.The research results show that:Among the individual characteristics,household registration has a significant impact on promoting the insurance participation behavior of the elderly,and personal annual income is negatively correlated with the insurance participation behavior of the elderly;in terms of family characteristics,family economic level and the number of children will influence the participation behavior of the elderly;in terms of social attitude,whether the elderly trust the society and whether they purpose commercial endowment insurance will not have a significant impact on their participation in the insurance,while whether the basic medical insurance is insured or not has a significant impact on the participation behavior of the elderly.According to the research conclusions,the government should start from the individual,and social characteristics of the elderly comprehensively to investigate and make up for deficiencies,make targeted efforts,strengthen policy publicity,focus on vulnerable groups,and coordinate resources from all parties and to deal with the challenge brought by aging.