Study On Influencing Factors Of Basic Endowment Insurance Participation Of Floating Population Under Household Registration Difference

Due to the development of economy and the improvement of infrastructure,the scale of mobile groups has been expanding gradually.Meanwhile,the speed of population aging has accelerated gradually,and the trend of deep aging development is increasing the pension gap.Due to the existence of the household registration system,the floating population has become a special group in urban construction,and there are differences with local residents in pension security.Therefore,it is particularly important to study and solve the pension problems of the floating population and gradually improve the pension security system.In this context,this thesis aims to empirically analyze the important factors affecting the urban and rural floating population’s participation in the basic endowment insurance,so as to put forward targeted supplementary and improvement suggestions to improve the participation rate of the floating population in the basic endowment insurance.By combing domestic and foreign research literature and based on the theory of bounded rationality,labor market segmentation,and cultural values-investment theory,this thesis proposes the research hypothesis.By using the data of China General Social Survey Project(CGSS)in 2017,the floating population aged 18-60 is selected as the research objects.This thesis describes the basic characteristics of this group and the differences in the participation of basic endowment insurance,empirically analyzes the influence of educational factors,economic factors and cultural factors on the participation of floating population with different household registration,and carries out heterogeneity analysis and robustness test on the empirical results.Finally,it puts forward policy suggestions based on the above analysis.The main conclusions of this thesis are as follows:(1)The insurance participation probability of urban floating population increases with the increase of education level,and the improvement of education level has limited effect on the improvement of insurance participation probability of rural floating population.(2)There is an inverted U-shaped relationship between the income level of urban floating population and the insurance participation probability;The insurance participation probability of rural floating population basically presents the trend of increasing with the increase of income level.(3)The concept of "raising children for old age" and "carrying on the family name" will inhibit the floating population’s participation in insurance,while the intention of giving birth to daughters will promote the floating population’s participation in insurance.According to the analysis results of this thesis,the author puts forward some policy suggestions,such as enhancing the awareness of insurance participation,implementing corporate responsibility,and strengthening the guidance of diversified pension concepts.