The Research On The Influencing Factors Of The Participation Behavior Of Basic Pension Insurance For Urban And Rural Residents

The aging of the population has become a global problem.With the aging of the population,people's demand for old-age security is becoming more and more urgent.Therefore,it is particularly important to establish a sound social security system for the elderly,and the urban and rural residents' pension insurance system is part of the social pension insurance system in China.In 2014,the basic old-age insurance system for urban and rural residents covering the whole country began to be implemented.Although the implementation progressed rapidly and the results were remarkable,there were still some problems,such as the low level of insurance contributions,insufficient system guarantees and the system in the city and township.The fusion is not enough.Therefore,study the effects of different factors on urban and rural residents participating behavior of the system in the process of implementation,this has important realistic significance for China to further promote the "urban and rural residents security",but also conducive to "gradient integrat ion" system.In order to make the research more universal,this paper selects Hunan,Changsha,Hunan Huaihua,Guangdong Yunfu,Sichuan Guang'an and Jiangxi Shangrao four provinces and five cities to conduct field research,and investigates 676 urban and rural residents as the research subject,using SPSS software.The survey data was subjected to binary logistic regression analysis.The behaviors of urban and rural residents participating in insurance are mainly divided into two aspects: “whether to participate in insurance” and “the choice of insurance grades”.According to the current situation of “urban and rural residential insurance” with high participation rate and insufficient payment level,this article will “insure”.The selection of grades is divided into two parts: lower contribution grade and higher contribution grade.It aims to explore how to improve the payment level of urban and rural residents.The article studies the insured behavior from the perspective of the individual characteristics,fa mily characteristics,behavioral preferences and other factors of the insured,respectively.The results show that from the perspective of “whether it is insured”,the five factors of education level,time preference,self-evaluation of monthly pension expenses,understanding of policies,system security level and service convenience of the agency are The influence of the township residents is different;from the perspective of “the choice of the grades of the insurance,” the age,the annual per capita income of the family,the number of children,the attitude of the family to the insurance,the time preference,the self-evaluation of the monthly pension expenses,Whether the insurance can solve the problem of old-age care(ie,the degree of self-confidence of pension),the degree of understanding of the policy,the intensity of policy propaganda,and the convenience of service of the agency are all different for the city and township residents.Therefore,the article finally proposes targeted countermeasures based on the comparison results of this city and township.