Study On The Influencing Factors Of Individual Industrial And Commercial Households Participating In Endowment Insurance

According to the National Bureau of Statistics,according to a report in 2016-2018 national market main body development cases,individual businesses and the number of annual growth is one of the most in the three types of market main body,individual and industrial and commercial door is also the most active of the three types of market main body in the Chinese economy into the transformation period,individual and industrial and commercial door played an indispensable role,not only to provide employment opportunities for large crowds,eased the employment difficult problem,at the same time also to the development of economy provides some innovation and try more possibilities However,through the investigation of scholars at home and abroad,it is found that the insurance rate of individual industrial and commercial households is low,which not only affects the quality of life of individual industrial and commercial households,but also has a certain impact on the harmonious development of society.Therefore,it is of research significance to explore the insurance participation behavior of individual industrial and commercial households.This text set up a new town as the survey area in fuzhou,fujianprovince,this paper combined with questionnaire and interview method to collect data and information through the statistics of binary Logistic regression analysis and chi-square cross test,to explore what factors of individual industrial and commercial households ginseng behavior and the choice of endowment insurance types have significant influence at the same time,contrast different ginseng behavior of groups and choose different types of pension insurance group in what aspects there are significant differences in the end,based on the results of the analysis some Suggestions on the measures.This paper mainly from the following six parts to study the individual business insured behavior.The first part is the introduction.Through the description of the background of the topic and the review of domestic and foreign literature,the research contents and methods of this paper are put forward.The second part is the definition of relevant concepts and theoretical basis.The reference of the theoretical basis is beneficial to the analysis of the internal causes of insurance behavior of individual industrial and commercial households.The third part is the introduction of the survey area and the proposal of the questionnaire program.The fourth part is the empirical analysis of influencing factors,using Logistic regression model analysis method.It mainly includes theempirical analysis of the influencing factors of insurance participation behavior of individual industrial and commercial households and the empirical analysis of the influencing factors of insurance choice of individual industrial and commercial households.The research finds that :(1)the marriage status of individual industrial and commercial households,the situation of buying commercial insurance and the income level have significant influence on the insured behavior.(2)the income level of individual industrial and commercial households and the annual commercial insurance premiums paid each year have a significant impact on the insurance selection.The fifth part is chi-square cross analysis.This paper mainly explores whether there are significant differences between the groups with different insurance behaviors and the groups with different insurance choices.The main differences are as follows :(1)some people in the insured behavior group say they know about the endowment insurance,while few people in the uninsured group know about the endowment insurance.(2)more people in the insured group think the current endowment insurance policy is very reasonable,while most people in the uninsured group think the current endowment insurance policy is basically reasonable,but no one thinks it is very reasonable.(3)most people in the insured group think that the current pension insurance work should be improved mainly in the two aspects of strengtheningsupervision and increasing subsidies,while the uninsured group thinks that the capacity and attitude of the handling unit should be improved.(4)the group that participates in urban worker endowment insurance chooses high pay grade because of high pay treatment,and the group that participates in urban and rural residents endowment insurance chooses high pay grade because of more pay more subsidy.Finally,policy Suggestions are made based on the research results.Such as in the propaganda work to pay attention to policy interpretation,to cultivate the awareness of insurance participation;To increase the rationality of the policy by adjusting the contribution ratio and subsidies;Improve the service level of the agency.