居民商业养老保险需求影响因素的实证研究——以南京市为例  

Empirical Study on the Factors Influencing the Demand for Residential Commercial Pension Insurance:Taking Nanjing as An Example

作　　者：殷创成 殷可昕 Chuangcheng Yin;Kexin Yin(School of Sociology and Population Studies,Nanjing University of Posts and Telecommunications,Nanjing 210023,China;School of Mathematics and Statistics,Henan Normal University,Xinxiang 453007,China)

机构地区：[1]南京邮电大学社会与人口学院,江苏南京210023 [2]河南师范大学数学与统计学院,河南新乡453007

出　　处：《财务与金融》2024年第6期68-74,共7页Accounting and Finance

基　　金：2024年江苏省大学生创新创业训练计划校级重点(国家级)立项项目《人口老龄化背景下居民商业养老保险需求及影响因素研究:以南京市为例》(202410293074Z)。

摘　　要：随着老龄化程度的不断加深,中国以政府为主导的社会养老保障制度面临着巨大压力,亟需充分发挥商业养老保险的补充作用以应对这场“人口革命”。基于南京市居民的实地调查数据,运用logit模型和probit模型对影响南京市居民商业养老保险需求的因素进行实证分析。研究发现,居民的年龄、学历、月收入、了解程度和满意程度等因素都会对居民商业养老保险的购买意愿产生影响。具体而言,较高的年龄、学历、月收入、了解程度和满意程度对居民商业养老保险购买意愿具有显著正向促进作用。为了充分发挥商业养老保险作为第三支柱的补充作用,政府应出台相应的经济政策刺激商业养老保险购买需求,同时强化市场监管,确保市场健康有序运转;商业养老保险企业应根据市场需求的多样性,打造个性化养老保险产品,以科技赋能企业服务创新,不断增强产品与服务的多元性和创新性;居民应提高风险意识,转变传统“养老观”,选择合适的商业养老保险产品,为未来养老提供可靠的保障。With the deepening of aging population,China's government led social pension security system is facing enormous pressure and urgently needs to fully leverage the complementary role of commercial pension insurance to cope with this"population revolution".Based on field survey data of Nanjing residents,this study empirically analyzes the factors affecting the demand for commercial pension insurance among Nanjing residents using logit and probit models.Research has found that factors such as age,education level,monthly income,the level of understanding,and satisfaction of residents all have an impact on their willingness to purchase commercial pension insurance.Specifically,higher age,education level,monthly income,the level of understanding and satisfaction have a significant positive promoting effect on residents'willingness to purchase commercial pension insurance.In order to fully leverage the complementary role of commercial pension insurance as the third pillar,the government should introduce corresponding economic policies to stimulate the demand for purchasing commercial pension insurance,while strengthening market supervision to ensure the healthy and orderly operation of the market;commercial pension insurance companies should create personalized pension insurance products based on the diversity of market demand,empower enterprise service innovation with technology,and continuously enhance the diversity and innovation of products and services;residents should raise their risk awareness,transform their traditional"pension concept",and choose appropriate commercial pension insurance products to provide reliable protection for future pension.

关 键 词：南京市 人口老龄化 商业养老保险 LOGIT回归模型 probit回归模型 

分 类 号：F842[经济管理—保险]