家庭经济资本、主观社会阶层感知与我国居民商业养老保险购买行为——基于CGSS2018数据的实证分析

Family Economic Capital, Subjective Social Class Perception and the Commercial Endowment Insurance Purchase Behavior of Chinese Residents—Empirical Analysis Based on CGSS2018 Data

摘要: 基于2018年中国综合社会调查(CGSS)抽样调查数据，建立二元logistics模型，分析家庭经济资本、主观社会阶层感知对我国居民商业养老保险参保行为的影响。结果表明：人口、社会基本特征变量仍然是影响商业养老保险购买行为的基本影响因素。家庭经济资本和主观社会阶层感知对我国居民购买商业养老保险行为具有显著正向促进作用。为发挥商业养老保险对多层次的养老保障的补充作用，要坚定不移发展经济，提高家庭收入水平，提升家庭购买能力；进一步发展商业养老保险，丰富商业性养老保险的内容，激发各社会阶层的购买潜力；完善相关法律法规，加强对商业养老保险行业的市场监管。

Abstract: Based on the 2018 Chinese General Social Survey (CGSS) sample survey data, a binary logistics model was established to analyze the impact of family economic capital and subjective social class perception on the participation behavior of commercial endowment insurance. The results show that the population and social basic characteristic variables are still the basic factors influencing the purchase behavior of commercial endowment insurance. Family economic capital and subjective social class perception have a significant positive effect on promoting the purchase of commercial endowment insurance. In order to play the supplementary role of commercial endowment insur-ance in multi-level endowment security, we should unswervingly develop the economy, improve family income level and enhance family purchasing ability, further develop commercial endowment insurance, enrich the content of commercial endowment insurance, stimulate the purchasing po-tential of all social classes; improve relevant laws and regulations, and strengthen the market su-pervision of commercial endowment insurance industry.