中年群体养老保险参保影响因素研究——基于2018年CGSS数据  

Research on the Influencing Factors of Middle-Aged Group Pension Insurance Participation—Based on the 2018 CGSS Data

作　　者：李臣美 

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》2023年第3期1442-1448,共7页Operations Research and Fuzziology

摘　　要：本文基于2018年中国综合社会调查(CGSS)数据,建立Logit回归模型分析影响中年群体养老保险参保行为选择的因素,分别从社会性养老保险与商业性养老保险两方面出发,研究结果表明:中年群体的年龄、政治面貌、受教育程度、家庭经济状况、邻里社交的频繁程度、社交串门频率对其参加社会性养老保险参保情况具有显著性影响;居住地、自评健康状况、受教育程度、家庭经济状况、个人年收入、邻里社交的频繁程度、社交串门频率、与不住在一起的亲戚聚会的频繁程度、上网情况都对中年群体参加商业性养老保险产生显著影响。Based on the data of China’s General Social Survey ( CGSS ) in 2018, this paper establishes a Logit regression model to analyze the factors affecting the choice of endowment insurance participation behavior of middle-aged groups, starting from two aspects of social endowment insurance and commercial endowment insurance. The results show that the age, political status, education level, family economic status, frequency of neighborhood social interaction and frequency of social networking of middle-aged groups have a significant impact on their participation in social endowment insurance. Residence, self-rated health status, education level, family economic status, personal annual income, frequency of neighborhood social interaction, frequency of social networking, frequency of gathering with relatives who do not live together, and Internet access have a significant impact on the participation of middle-aged groups in commercial pension insurance.

关 键 词：中年群体 社会性养老保险 商业性养老保险 影响因素 

分 类 号：C91[经济管理]