“养儿防老”观念对居民商业养老保险参与度的影响--基于2017年中国综合社会调查数据

The Influence of the Concept of“Raising Children for Old Aged”on the Participation of Residents in Commercial Endowment Insurance:A Study Based on the Date of CGSS in 2017

基于2017年中国综合社会调查数据,采用二元Logistic回归模型,发现“养儿防老”观念会抑制居民参与商业养老保险。为了检验模型与结论的有效性,通过倾向得分匹配、更换主要解释变量和更换估计方法进行稳健性检验。同时,分别引入健康程度、教育水平和基本养老保险等变量与“养儿防老”观念的交互项,进行异质性分析。研究表明,各项结论依旧与基本回归结果保持一致。文章揭示了影响居民参与商业养老保险的深层文化因素,对新时期养老保障体系建设具有一定的政策启示:继续普及养老意识和正确的养老观念,加大有关商业养老保险知识的宣传力度,引导居民养老观念与多支柱养老保障体系建设不断融合匹配。

Based on the data of China General Social Survey in 2017,the binary Logistic regression model was used to find that the concept of“raising children for old age”inhibits residents'participation in commercial endowment insurance.In order to test the validity of the model and conclusion,robustness tests were carried out through propensity score matching,replacement of main explanatory variables and replacement of estimation methods.At the same time,the interaction terms of health degree,education level and basic endowment insurance with the concept of“raising children for old age”were introduced to conduct heterogeneity analysis.The results showed that the conclusions were consistent with the basic regression results.From the perspective of subjective intention,this paper reveals the deep cultural factors that influence residents'participation in commercial endowment insurance.In the new era,the construction of multi-pillar pension security system should focus on:continue to popularize pension awareness and correct pension concept,increase the publicity of commercial pension insurance knowledge,and guide the residents'concept of providing for the aged and the construction of multi-pillar old-age security system to constantly integrate and match.