Research On The Willingness Of Middle-aged And Elderly People To Participate In The Smart Pension Community Of Insurance Companies

In recent years,China’s aging population has developed rapidly,showing a trend of aging,empty-nesting and sub-health.The traditional family endowment,institution endowment and community endowment are difficult to realize the effective allocation of endowment resources,let alone to meet the increasingly diversified needs of the elderly,and the endowment problem needs to be solved urgently.The development of the Internet,big data and other emerging technologies has spawned the smart pension,the combination of the latter and the pension community,has brought a new opportunity to solve the pension problem in China.In order to relieve the pressure of "long money short matching" of insurance funds,together with the support of policies,insurance companies have started to enter the pension industry successively since 2009.By virtue of the natural advantages of insurance funds and products,insurance companies have invested in the construction of pension communities to realize the effective coordination between insurance companies and pension communities.In the meantime,the insurance company introduces emerging technologies to build the smart pension community of the insurance company and provide diversified high-end pension services for high net worth elderly households.However,the smart pension community of insurance company is a new thing,mainly facing high-income customers,which leads to a low coverage rate of such pension community.As the potential or target customers of the smart pension community of the insurance company,it is particularly important to study their willingness to participate in the smart pension community of the insurance company and its influencing factors,and find out feasible ways to enhance the participation of the elderly.Wuhan has entered the stage of deep aging,and a number of insurance companies have laid out pension communities here.Therefore,this paper takes Wuhan as the research site and the middle-aged and elderly as the research objects to investigate their true willingness to participate in the smart pension community of insurance companies.Based on the Theory of Planed Behavior and Maslow’s Hierarchy of Needs,this paper analyzes the influencing factors of the participation intention of the smart pension community of insurance companies,and then designs and improves the questionnaire.By issuing questionnaires both online and offline in Wuhan,a total of 531 valid data were obtained.And then using SPSS23.0 to effective samples are descriptive statistics,and respectively from the personal characteristics,family characteristics,endowment characteristics and cognitive characteristics of single factor analysis in four dimensions,screening and wisdom of endowment insurance company the variables of the difference of co mmunity participation will have again through the binary Logistic regression analysis,find out the wisdom of endowment insurance company the influence factors of community participation intention.The results show that gender,monthly disposable income and knowledge of smart pension community of insurance company have significant influence on participation willingness at 1% level.The main reasons why middle-aged and elderly people are not willing to participate in the smart pension community of insurance companies are "not adapting to smart products or services","not knowing about this kind of pension community","they can take care of themselves" and "price factors".In addition,middle-aged and elderly people have a higher demand for spiritual consolation,medical care and social participation services for the aged.Based on the empirical results and the actual situation,this paper puts forward some development suggestions,such as building a new concept of smart pension,enhancing the "close to the people" attribute of smart products,paying attention to the spiritual needs of middle-aged and elderly people,and training a team of community service professionals,it is hoped that these can be helpful to the positioning and upgrading of the smart pension service of the insurance company and the healthy development of the pension cause in China,so that the smart pension community of the insurance company can really become a good medicine to solve the pension problem in China.