Analysis On Influence Factors Of Urban And Rural Residents Pension Insurance Decision

Aging is the inevitable trend of the development of modern society,is also the common concern of the world today.With the aging,the deepening of the degree of aging and the weakening of the traditional family pension function,China’s pension pressure is growing,more and more urban and rural residents need to institutionalize arrangements to solve the security problems of the elderly life.The urban and rural residents pension insurance system,as an important part of Chinese social security system,is of great significance to the realization of urban and rural integration and social fairness and stability,and has received great attention from the government and society."13th Five-Year" is fully completed during the decisive stage of a well-off society,reforming and improving the urban and rural social endowment insurance system is imperative.Although the implementation of the pension insurance system for urban and rural residents has made great achievements,has basically achieved full coverage,but there are still many problems affecting the sustainable development of the system.The insurance decision of the urban and rural residents directly affects the sustainable development of the pension insurance system of urban and rural residents.Therefore,only the in-depth analysis of the residents’ insured behavior and its influencing factors insured residents,can put forward countermeasures,so as to ensure the good operation and development of endowment insurance system for urban and rural residents.Based on the literature research and summarizing the current research situation at home and abroad,this paper uses the research methods of questionnaire and empirical analysis to obtain the significant factors influencing the decision-making of insured,and finds some problems in the old-age insurance of urban and rural residents.In the research methods,the methods of descriptive statistics,correlation analysis,regression analysis and chi-square test were used.Firstly,the data of the questionnaire are described,Secondly,the author analyzes the influencing factors of insured decision from three aspects: personal,policy and system,and analyzes the significant factors influencing the residents’ insured by means of correlation analysis andregression analysis.By using cross column,the results show that the nature of the account,age,number of children,pension concept,policy understanding degree,policy satisfaction,the level of pension treatment,the level of financial subsidies,the level of the subsidy of the residents,the satisfaction of with handling agency,have a significant impact on the residents insured,the annual income for the insured grade has a significant impact,and gender,health,cultural level,occupation of the impact of insured decision is not Significant.In addition,the income factor is the main influencing factor that affects the decision of urban and rural residents.Relative to urban residents,rural residents insured a higher enthusiasm,but often choose a lower payment grade,while urban residents insured less enthusiasm,and the insured urban residents are more inclined to choose a higher grade.Finally,according to the conclusion from the individual,policy,system analysis of three aspects of urban and rural residents,they have some problems in insurance decision,in order to correctly guide residents’ insurance premiums of the suggestions,so as to improve the residents’ participation rate and payment standards.This study not only enriches the relevant theoretical research,but also has practical significance and reference value for the implementation of the pension insurance policy of local urban and rural residents.This paper is divided into five parts to elaborate.The first part is the introduction,the research background,the research significance,the research mentality and the method,the domestic and foreign research present situation and the innovation place carries on the simple discussion.The second part defines the concept of urban and rural residents’ social pension insurance,and analyzes the theoretical basis of the research.The third part is the analysis of the influencing factors of urban and rural residents’ insured decision-making,firstly,the survey area is introduced,and the basic characteristics of the survey sample and the sample are described statistically.Secondly,the chi-square test by Logistic regression analysis and crosstab analysis,significant factors affecting residents with insurance and payment,and finally draws the conclusion and makes a comparative analysis of the urban and rural residents’ insurance decision.In the fourth part,based on the analysis of influencing factors,some problems of urban and rural residents’ pension insurance are discussed fromthree aspects: individual,policy and system.The fifth part puts forward the corresponding policy suggestions for the problem,including improving the individual payment ability,enhancing the residents’ awareness of raising older,enhancing the policy awareness,standardizing the handling agency process,raising the level of pension benefits and subsidies,exploring the effective incentive mechanism,the fund overall level,strengthening fund supervision and establishing and perfecting laws and regulations,so as to guide the urban and rural residents to make more rational decision-making and promote the sustainable development of urban and rural residents’ pension insurance system.