上海居民对个人养老金政策满意度影响因素研究

Study on the Influencing Factors of Shanghai Residents’ Satisfaction with Personal Pension Policy

摘要: 为研究上海居民对当前个人养老金政策满意程度的情况，首先通过中国知网、EBSCOhost数据库等信息平台查找个人养老金政策的相关文献，以了解我国关于个人养老金的具体政策内容。文章以居民的视角，通过社会调查法、抽样调查法同时开展线上问卷以及线下调研相结合的方式，发现影响上海居民对个人养老金政策满意度的因素可分为居民自身因素以及政策特征因素两类，其中，居民自身因素中，可通过中介效应分析居民的平均收入及健康水平对满意度的影响；此外，政策特征因素中，通过建立多元Logistic回归方程分析得知，“自负盈亏，压力大”、“期限长，不能在期中取出”、“优惠力度不够吸引人”这三方面是阻碍上海居民提升个人养老金政策满意度的主要因素。基于此，文章从政府层面、市场层面以及个人层面提出了对于个人养老金制度的优化路径。

Abstract: In order to study the satisfaction of the current personal pension policy of Shanghai residents, the relevant literature on the personal pension policy is searched by the China National Knowledge Infrastructure, EBSCOhost database, and other information platforms in order to understand the specific policy contents of the personal pension in our country. From the perspective of residents, this paper combines online questionnaires and offline surveys with social surveys and sampling surveys and finds that the factors affecting Shanghai residents’ satisfaction with personal pension policies can be divided into residents’ own factors and policy characteristics. Among the residents’ factors, the mediating effect can be used to analyze the influence of average income and health level of residents on satisfaction. In addition, among the characteristic factors of the policy, through the establishment of multiple Logistic regression equation analysis, it is found that “self-financing, great pressure”, “long term, cannot be withdrawn in the interim”, and “preferential intensity is not attractive enough” are the main factors hindering their satisfaction with personal pension policy. Based on this, this paper puts forward the optimization path of the personal pension system from the government level, the market level, and the individual level.