The Crowding-in Effect Of The Popularization Of Endowment Insurance On The Family Intergenerational Relationship

Based on the fact that family pension still plays a major role in the choice of pension mode in China,it is concluded that the aggravation of population aging will have an impact on the intergenerational relationship of families to a great extent.At present,the family pension in the new economic era is facing greater time and space constraints,and the positivity of residents to participate in various types of insurance needs to be improved..In this objective background,social pension security has a particularly important historical position and significance.This paper studies how to improve the security system and provide a new perspective and theoretical basis for the construction of three-dimensional pension system,this paper discusses the important historical position and influencing factors of intergenerational relationship under the current preference of pension model selection;By dividing different age groups,this paper studies the effect of individual insurance on family intergenerational relationship;At the same time,this paper further analyzes from the individual point of view,summarizes the significance of the popularization of endowment insurance to improve the level of personal welfare.Finally,this paper makes an in-depth study,and draws relevant conclusions,including the following aspects: at present,the family pension mode still accounts for a large proportion,and it is also the preferred pension mode of residents;The degree of participation in the foundation insurance will have a positive effect on the upward and downward instrumental help of older families.Compared with enterprise endowment insurance and other endowment insurance,the "crowding in effect" of urban and rural endowment insurance on intergenerational support is more obvious,and there are some differences due to the gender,age,marital status,education level and other factors of the insured;While paying attention to the physical health of the elderly,their mental health can not be ignored.Family instrumental intergenerational support can greatly alleviate the loneliness and other negative emotions of the elderly,and then effectively improve their happiness index and overall welfare level.