计划行为理论视角下居民参加个人养老金的行为意向研究  

Research on residents'behavioral intention to participate in individual pension from the perspective of the theory of planned behavior

作　　者：聂建亮[1] 王凤玺 郭雨晨 NIE Jianliang;WANG Fengxi;GUO Yuchen

机构地区：[1]西北大学公共管理学院,陕西西安710127

出　　处：《社会保障研究》2024年第6期52-65,共14页Social Security Studies

基　　金：国家社科基金项目“农村失能老人家庭照护的社会网络支持研究”(22BSH089)的资助。

摘　　要：明晰影响居民参加个人养老金行为意向的因素,对于全面实施个人养老金制度至关重要。以个人养老金先行城市西安市为例,基于计划行为理论,从行为态度、主观规范以及知觉行为控制等角度探讨影响居民参加个人养老金行为意向的因素发现,行为态度和知觉行为控制对居民参加个人养老金的行为意向有显著影响。对个人养老金持有的态度越积极,居民参加个人养老金的行为意向越高;知觉行为控制越强,居民参加个人养老金的行为意向越高。其中,知觉行为控制的影响最大,并通过对行为态度的影响对居民参加个人养老金行为意向产生间接影响。主观规范对居民参加个人养老金意向的直接影响不显著,但却可以通过行为态度这一中介对行为意向产生影响。基于此,应加强政策宣传力度,分阶段和分人群进行有针对性的动员,提高民众的金融素养水平,提供风险教育和管理帮助,以助力个人养老金制度的全面实施。It is very important to clarify the factors that affect the behavioral intention of residents to participate in individual pension system for the full implementation of individual pension system.Taking Xi'an,a city that pioneered individual pensions as an example,based on the theory of planned behavior,this paper discusses the factors that affect residents'behavioral intention to participate in individual pension from the perspective of behavioral attitude,subjective norm and perceived behavioral control.It is found that behavioral attitude and perceived behavioral control have a significant impact on the residents'behavioral intention to participate in individual pension.The more positive the attitude towards individual pension,the higher the behavioral intention of residents to participate in individual pension.The stronger the perceived behavioral control,the higher the behavioral intention of residents to participate in personal pension.Among them,perceived behavioral control has the greatest impact,and has an indirect impact on the behavioral intention of residents to participate in individual pensions through the impact on behavioral attitudes.The direct impact of subjective norms on the intention to participate in individual pension is not significant,but it can affect the behavioral intention through the intermediary of behavioral attitude.Based on this,it is recommended to strengthen policy propaganda,carry out targeted mobilization in stages and groups,improve the level of financial literacy of the people and provide risk education and management help,so as to facilitate the full implementation of the individual pension system.

关 键 词：个人养老金 行为意向 计划行为理论 结构方程模型 

分 类 号：F842.67[经济管理—保险]