摘要
农村地区传统家庭养老方式的衰退和新农保保障的低水平，要求商业养老保险在农村发挥重要补充作用。文章使用中国综合社会调查（CGSS2013）数据，运用二元Logistics模型，实证研究农民商业养老保险购买意愿的影响因素。研究结果表明，农民教育水平越高、家庭收入越多、自评社会阶层越高，购买商业养老保险的意愿越强；而子女数量越多，购买意愿越弱。因此，提高农民教育水平、增加农民收入、提高商业养老保险市场可及性、探索多功能的保险产品是解决之道。
The decline of traditional way of supporting the elder and the low security level of the new type of pen- sion insurance for rural residents demand that commercial pension insurance play an important supplementary role in ru- ral areas. To analyze the factors that may affect farmers＇ purchasing intention of commercial endowment insurance, this paper uses the binary logistics model based on the data of CGSS2013. The results show that ：farmers who have a higher level of education, family income or self evaluated social strata are more likely to purchase commercial endowment insur- ance,while those who have more children are not. Therefore, by increasing income, improving education level and the accessibility of the commercial pension insurance, and exploring the multi -functional insurance products will boost farmers＇ demand of purchasing commercial pension insurance.
作者
唐祥清
Tang Xiangqing(School of Public Administration,Zhongnan University of Economics and Law,Wuhan 430073,China)
出处
《中南财经政法大学研究生学报》
2017年第6期86-94,共9页
Journal of the Postgraduate of Zhongnan University of Economics and Law
关键词
农民
商业养老保险
购买意愿
新农保
Farmers
Commercial Pension Insurance
Purchasing Will
The New Type of Pension Insurance for Rural Residents
