Study On The Influencing Factors Of Rural Residents’ Willingness To Participate In Basic Old-age Insurance For Urban And Rural Residents

The old-age insurance system is an important part of China’s social insurance system.It is an important system guarantee to solve people’s old-age problems and meet the basic living needs of the elderly at the institutional level.At present,our country has a large population of elderly people,and the problem of population aging is becoming more and more serious.The problem of providing for the aged has become one of the problems that the society pays close attention to and urgently needs to solve.China is a large agricultural country with a large rural population.With the gradual weakening of the family pension and land pension functions,the gap between urban and rural areas under the urban-rural dual system has gradually increased,which makes rural residents face more pension problems.According to the requirement of the National Participation Insurance Plan of the Ministry of Human Resources and Social Security of China,the main objective in the near future is to fully cover the old-age insurance system.In order to narrow the gap between urban and rural areas and maintain social equity,the new rural social endowment insurance and urban social endowment insurance were merged into the basic endowment insurance system for urban and rural residents in 2014.The insured personnel of this system are qualified rural residents and urban residents.Since most of the insured groups are rural residents,this paper only makes a targeted study on the influencing factors of rural residents’ willingness to participate in insurance.One of the requirements of the National Participation Plan of the Ministry of Human Resources and Social Security of China is that the main objective at present is to ensure the full coverage of the old-age insurance system.At present,the problem of rural residents’ old-age pension is getting worse and worse.Studying the influencing factors of rural residents’ willingness to participate in insurance is of great significance to promote the sustainable development of the basic old-age insurance system for urban and rural residents,improve the old-age security system,gradually narrow the gap between urban and rural areas,and realize the old-age support of many agricultural populations.Taking Laizhou City as an example,this paper studies the influencing factors of ruralresidents’ willingness to participate in insurance in Laizhou City.It mainly includes six parts.The first part is the introduction,the second part is the elaboration of relevant concepts and theoretical basis,the third part is the general situation of the development of basic old-age insurance system for urban and rural residents,the fourth part is the empirical research,the fifth part is the countermeasures and suggestions,and the sixth part is the conclusion and outlook.Based on Pigou’s welfare economics theory,Simon’s limited rationality theory,Lewin’s field theory and Modigliani’s life cycle consumption theory,this paper summarizes the influencing factors of rural residents’ willingness to participate in insurance in Laizhou City,which are mainly divided into individual level,family level,village collective level and government level.A simple random sampling questionnaire survey method was used to investigate the rural residents in Laizhou,and binary logistic regression analysis was used to process and analyze the data.Through the study,at the individual level,age and education level have a positive impact on the willingness to participate in insurance,and the concept of "raising children and preventing old age" has a negative impact on the willingness to participate in insurance.At the family level,the number of elderly people aged 60 and over and the area of cultivated land in the family have a positive impact on the willingness to participate in insurance,while the number of neutron women in the family has a negative impact on the willingness to participate in insurance.At the government level,the professional level of managers,the confidence of rural residents in the government’s supervision of pensions and the evaluation of the basic pension insurance system for urban and rural residents have a positive impact on the willingness to participate in insurance.Through the analysis,it is found that there is still room for further improvement of rural residents’ participation in insurance in Laizhou.Therefore,combined with the empirical results,the paper puts forward countermeasures and suggestions to promote the further improvement of rural residents’ participation in insurance and promote the sustainable development of basic old-age insurance system for urban and rural residents.