基于ISM和AHP的个人养老金参与意愿影响因素浅析  

Analysis of Influencing Factors of Individual Pension Participation Intention Based on ISM and AHP

作　　者：韩宁 Ning Han(School of Management,Shanghai University of Engineering and Technology,Shanghai)

机构地区：[1]上海工程技术大学管理学院,上海

出　　处：《运筹与模糊学》2024年第2期1424-1434,共11页Operations Research and Fuzziology

摘　　要：个人养老金制度是国家应对人口老龄化、完善养老保险体系的重要改革举措。作为我国养老保险体系第三支柱的重要制度设计,2022年11月,36个先行城市(地区)正式启动实施。在老龄化加深的今天,强化国民养老第三支柱刻不容缓。但个人养老金作为一种市场化产品,发展状况很大程度上取决于民众的反应和行为。因此,本文通过解释结构模型(ISM)和层次分析法(AHP)相结合的方式,对影响个人养老金参与意愿的诸多因素间的相互关系进行探讨。首先利用ISM厘清了相互影响因素间因果和层次关系,再通过AHP法算出所有因素权重,从而筛选出关键因素为养老保障整体满意度、个人养老金政策满意度、受教育程度。受教育程度既是深层因素又是关键因素必须得到重视。本文构建的模型可给个人养老金的发展提供有益参考,以便更好地发挥个人养老金的补充功能,完善多层次、多支柱的养老保险体系,满足不同群体的差异化养老需求。The personal pension system is an important reform measure for the country to cope with the aging population and improve the pension insurance system.As an important system design of the third pillar of China’s pension insurance system,36 leading cities(regions)officially launched in November 2022.Today,with the deepening of aging,it is urgent to strengthen the third pillar of national pension.However,as a market-oriented product,the development of personal pension largely depends on the reaction and behavior of the people.Therefore,this paper discusses the relationship between many factors that affect individual pension participation intention through the combination of structural model(ISM)and analytic hierarchy Process(AHP).First,ISM was used to clarify the causality and hierarchical relationship among the mutual influencing factors,and then the weights of all factors were calculated by AHP,so as to screen out the key factors as the overall satisfaction of pension security,personal pension policy satisfaction and education level.Education level is not only a deep factor but also a key factor must be paid attention to.The model constructed in this paper can provide useful reference for the development of personal pension,so as to better play the supplementary function of personal pension,improve the multi-level and multi-pillar pension insurance system,and meet the differentiated needs of different groups of pension.

关 键 词：个人养老金 参与意愿 影响因素 解释结构模型 层次分析法 

分 类 号：F27[经济管理—企业管理]