Study On Farmers' Willingness To Participate In Commercial Endowment Insurance

The elderly population in rural China accounts for about 60% of the total elderly population,and the demand for old-age care is very large.The rural old-age security system is actively exploring the construction,but the development is very uneven.The basic old-age insurance system relying on financial supply can gradually fail to meet the pension needs of rural residents.It is necessary to promote the development of commercial endowment insurance in rural areas and establish a better structure.A reasonable pension system.At present,commercial endowment insurance has been promoted in rural areas,but the effect is very small.In order to play the role of commercial endowment insurance,it is necessary to analyze the factors affecting the willingness of rural residents to participate in commercial endowment insurance on the basis of understanding the overall characteristics of rural residents.Targeted countermeasures are proposed.According to the survey results,in the rural area,the resident population has more elderly populations,and there is a hollowing out phenomenon.The proportion of males is higher than that of females.In terms of cognitive ability,the overall education level in rural areas is not high,and commercial pensions are Insurance knows less and recognizes the traditional way of pensioning.In terms of economic level,middle-income rural households account for the largest proportion,and residents are more optimistic about future economic expectations.Moreover,rural residents' recognition of the government is very high.Some residents participated in the social pension insurance that the government led to establish.Among them,rural residents who are willing to participate in commercial endowment insurance have a high overall income level,better understand commercial endowment insurance,and also hope to protect the elderly life through non-traditional old-age care;rural residents who are more pessimistic about future economic expectations and poor physical condition of the elderly The willingness to participate in commercial endowment insurance will be higher;and the rural residents who are more affected by insurance companies and government propaganda are more willing to participate in commercial endowment insurance.The rural residents' willingness to participate in commercial endowment insurance has been significantly improved compared with the previous ones.However,due to the large demand for old-age pensions and the low quality of old-age services,the current residents' willingness to participate in insurance is insufficient to fully play the role of commercial endowment insurance.Through empirical research,it is found that: social pension insurance participation,family health status,family members,whether to understand commercial pension insurance,attitude towards traditional pension,expectations of the elderly economic situation,whether anyone around to buy commercial pension insurance,insurance companies The degree of publicity and the degree of influence of government propaganda have a significant impact on the willingness of rural residents to participate in commercial endowment insurance.Therefore,in order to accelerate the role of commercial endowment insurance,we can improve the enthusiasm of rural residents to participate in commercial endowment insurance from the perspectives of strengthening government support,improving the quality of insurance companies' products and services,and promoting rural economy and education construction,and improving the pension in rural areas of China.Construction of the security system.