商业养老保险需求影响因素的实证分析——基于CGSS 2021的数据分析

Empirical Analysis on the Factors Influencing the Demand of Commercial Endowment Insurance—Data Analysis Based on CGSS 2021

摘要: 随着我国经济和社会的逐步发展，社会的老龄化程度也越来越严重，这也给我国的国家财政带来了相当大的压力，对此，在商业养老保障体系当中加入商业养老保险这一举措，对于提高我国的养老保障水平和改善养老模式具有较大的作用与意义。本篇文章基于对中国综合社会调查(2021)问卷以及CGSS 2021数据进行综合分析，运用stata软件，构建logit回归模型，通过研究假设，实证分析等操作步骤，进而从多个方面对商业养老保险需求的影响因素进行研究分析，研究的最终结果表明，我国目前的商业养老保险的需求情况受到性别、受教育程度、身体健康状况以及社会经济地位等方面不同因素的显著性影响，为了商业养老保险能够更好的保障我国的养老保险体系，应该从多个方面提高商业养老保险的普及率以及认可度，明确商业养老保险的发展定位，从而能够更加完善我国的社会保障体系。

Abstract: With the gradual development of China’s economy and society, the degree of aging in society is also becoming increasingly severe, which has brought considerable pressure on China’s national finance. Therefore, adding commercial pension insurance to the commercial pension security system has a significant role and significance in improving China’s pension security level and pension model. This article is based on a comprehensive analysis of the China Comprehensive Social Survey (2021) questionnaire and CGSS 2021 data. Stata software is used to construct a logit regression model. Through research hypotheses, empirical analysis, and other operational steps, the influencing factors of commercial pension insurance demand are studied and analyzed from multiple aspects. The final result of the research shows that the demand of our country’s present commercial endowment insurance is significantly influenced by different factors such as gender, education level, physical health status and social and economic status. In order to pro-tect the endowment insurance system of our country better, we should improve the popularity and recognition of the commercial endowment insurance from many aspects, and make clear the development orientation of the commercial endowment insurance, thus can consummate our country's social security system.