Research On The Willingness Of Urban Residents Of Henan Province To Insurance And Pension Community

Since China entered the aging society in 2000,the degree of aging has been deepening,which has imposed a heavy burden on China's current pension service system.Therefore,we need to accelerate the construction of a sound pension service system.Insurance companies have strong advantages in capital utilization,business coordination and customer resources,and are an important force in participating in the construction of an old-age service system.In 2009,the China Insurance Regulatory Commission approved Taikang Life Insurance for the first time to invest in the construction of an insurance pension community.After that,major insurance companies began to deploy pension communities.As of now,many insurance pension communities have been invested and built.But in Henan area,the insurance pension community is developing slowly.The article takes Henan urban residents as the research object,investigates the insurance pension community's desire for demand,analyzes the factors that affect the urban residents' demand for insurance pension community in Henan Province,and proposes corresponding countermeasures To promote the development of insurance and pension communities in Henan Province.Through the use of questionnaire surveys and field visits,the survey is conducted from the aspects of basic information,old-age cognition,insurance attitude,etc.First,a descriptive statistical analysis of the survey data is carried out.The desire of urban residents for insurance and pension communities.At the same time,in order to determine the factors that affect the needs of the insurance pension community and the degree of impact,a binary logistic regression model is selected for empirical analysis,and relevant suggestions are made based on the results of the survey analysis.According to the survey results,it is found that urban residents in Henan Province have a low level of understanding of the insurance pension community;the combination of medical and nursing has become a new pension trend;The wishes of the insurance pension community are different.According to the regression results ofthe model,the main factors affecting the demand for the insurance pension community are age,education,annual family income,marital status,number of family members,attitudes towards child care,whether they have done old age planning,and the degree of trust in insurance companies And the degree of understanding of the insurance pension community.Finally,according to the survey analysis and empirical analysis,in order to increase the urban residents' demand for insurance pension community and promote the development of insurance pension community,the following suggestions are proposed: first,increase publicity of insurance pension community;second,strengthen insurance products and pension In-depth integration of the community;third is to establish a multi-level insurance pension community based on the combination of medical and nursing;fourth is to segment customer groups and innovate marketing models;fifth is to strengthen government support.