The Research Of The Influencing Factors Of The Paricipation Behavior Of The Social Endowment Insurance Of Urban And Rural Resident

Our country in 2009 and 2011 respectively to implement new rural endowment insurance and old-age insurance for urban residents, these two systems to rural residents and urban is not covered by the formal pension system arrangement, the freedom of occupation the unemployed people into the old-age security system. So far, our country covering all citizens, urban and rural old-age security system has been formally established. The implementation of social pension insurance for urban residents of countries by the opportunity of Henan Province in 2011, the new rural social pension insurance and social pension insurance for urban residents implementation of the merger, beginning in the implementation of urban and rural social pension insurance system of the province. Until the end of 2012, Henan Province, urban and rural residents of the social pension insurance system has been achieved full coverage. By the end of 2014, Henan province urban and rural residents social endowment insurance rate has reached 97.5%. Urban and rural social endowment insurance is a with government to provide social welfare nature of the old-age security system, urban and rural residents participating behavior has a direct impact on the sustainability of urban and rural social endowment insurance system, financial, which restricts the sustainable operation of the system, and the sustainable operation of social endowment insurance system for urban and rural residents concerns whether our country to improve the old-age security system establishment, all citizens "sense of security" can achieve the goal. Therefore, field survey factors in the process of urban and rural residents participation behavior of urban and rural social endowment insurance work to implement, and according to the actual situation, put forward suggestions aimed, Henan Province for the further implementation of urban and rural residents in the basic old-age insurance, security system of sustainability has important practical significance.Research Based on the Shangqiu city of Henan province conducted a field research, to the study of 548 people aged 16 to 59 years of urban and rural residents as the main body of research, the use of Spss data analysis software to analyze the survey data. The study found that during the investigation, Shangqiu City, Henan Province, urban and rural social endowment insurance are insured behavior of urban and rural residents tend to be negative, specific performance for the insured rate is low and the insured person generally choose the lowest pay grade. For the further analysis of the influencing factors of urban and rural residents participation behavior, according to research the actual situation of the two aspects of urban and rural residents participation behavior, that is, whether insured and whether the choice of the influence factors of minimum payment level of analysis, analysis of the main from the individual level, family level and system level expansion.Through interaction analysis and binary logistic regression analysis showed that, urban and rural residents whether insured is mainly influenced by age, education level, physical condition, the pension problem of worry degree, system the degree of understanding and system satisfaction factors. Among them, age, physical condition, system understanding, system satisfaction and urban and rural residents whether there is a positive correlation between the insured, level of education, the pension problem worry degree of urban and rural residents is a negative correlation between the insured. And urban and rural residents insured whether to choose the lowest pay grade is mainly affected by the level of education, level, family economic level and system understanding of factors influence on pension problem concerns and are with the urban and rural residents whether to choose the lowest pay grade were negatively correlated. In general, the level of education, worried about two of the insured behavior of urban and rural residents and the degree of trust system and other factors had significant effect on the pension problem. According to the results of the data analysis and the actual situation of the research, the article put forward: Improve the system flexibility, improve the pension adjustment mechanism, build a multi-level old-age security system, increase policy advocacy efforts and enhance the service capacity of agencies, thereby enhancing the enthusiasm of urban and rural residents insured; Strengthen the incentive system, improve the urban and rural residents of old-age risk cognitive ability, improve the ability of economic income of urban and rural residents and to enrich the team strength of publicity, so as to improve the urban and rural residents pay grades of selecting.