长春市城镇居民养老金融投资行为的影响因素分析  

Factors Analysis of Urban Residents'Retirement Financial Investment Behavior in Changchun City

作　　者：范志远 盛守一 FAN Zhi-yuan;SHENG Shou-yi(School of Economics,Changchun University,Changchun 130022,China)

机构地区：[1]长春大学经济学院,吉林长春130022

出　　处：《长春金融高等专科学校学报》2023年第4期32-39,共8页Journal of Changchun Finance College

基　　金：吉林省老龄化社会创新发展战略研究专项项目(SKZXY202371)。

摘　　要：我国人口老龄化程度加剧,养老问题日益凸显。养老金融作为一种新型的金融服务模式,是以养老为目的的金融活动。基于对长春市60周岁以上城镇居民的问卷调查数据,采用因子分析法研究影响其养老金融投资行为的因素。结果表明:城镇居民养老金融投资行为受到收入水平、就业状况、风险承受能力、政府宣传等7种主要因素的影响。基于此,政府应进一步完善社会保障制度,加大养老政策宣传力度,推进老年宜居环境建设;银行和保险公司等金融机构应加大创新商业养老产品力度,以满足城镇居民的养老需求。The aging population in China is increasing,and the issue of retirement is becoming increasingly prominent.Retirement finance,as a new financial service model,refers to financial activities aimed at meeting retirement needs.Based on a questionnaire survey of urban residents aged 60 and above in Changchun City,this study employs factor analysis to investigate the factors influencing their retirement financial investment behavior.The results indicate that urban residents'retirement financial investment behavior is influenced by seven main factors,including income level,employment status,risk tolerance,and government promotion.Based on these findings,the government should further improve the social security system,enhance the promotion of retirement policies,and promote the construction of elderly-friendly living environments.Financial institutions such as banks and insurance companies should actively explore more commercial retirement products to meet the retirement needs of urban residents.

关 键 词：投资行为 养老金融 因素分析 

分 类 号：F832[经济管理—金融学] D669.6[政治法律—政治学]