基于ISM的我国灵活就业人员城镇职工基本养老保险参保行为影响因素研究

Research on the Influencing Factors of Participation Behavior of Flexible Employed Urban Workers in Basic Endowment Insurance Based on ISM

摘要: 随着我国经济体制改革和产业结构调整的不断推进，灵活就业成为众多劳动者就业选择之一。由此，灵活就业人员的参保问题也不断地受到关注。本文通过建立解释结构模型，深入分析我国灵活就业人员参加城镇职工基本养老保险的影响因素，并揭示它们之间的关系。在对灵活就业人员参保行为影响因素的基础上，筛选出9项主要因素；运用解释结构方法，建立了我国灵活就业人员城镇职工基本养老保险参保行为影响因素的整体框架模型。结果表明：经济状况、就业行业和信息获取渠道因素是决定灵活就业人员参保行为的最直接原因，年龄、婚姻状况和身心状况因素是决定灵活就业人员参保行为的最根源影响原因，子女数量、职业时段和社会互动因素在促进灵活就业人员参保行为的过程中发挥着关键作用。根据分析结果，我们将制定相应的策略，以提高灵活就业人员参加城镇职工基本养老保险的意愿。这一研究成果对于缓解灵活就业人员退休后生活面临的困难、提高我国灵活就业人员的生活质量具有重要意义。

Abstract: With the continuous promotion of economic system reform and industrial structure adjustment, flexible employment has become one of the employment options of many workers. As a result, the issue of insurance coverage for flexible employees has been paid more and more attention. In this paper, through the establishment of interpretive structure model, we deeply analyze the influencing factors of flexible employment to participate in the basic old-age insurance of urban workers in China, and reveal the relationship between them. On the basis of the factors affecting the insurance participation behavior of flexible employees, 9 main factors are screened out. By using the interpretive structure method, the overall framework model of the factors influencing the participation behavior of urban workers in the basic endowment insurance for flexible employees in China is established. The results show that economic status, employment industry and access to information are the most direct factors that determine the insurance participation behavior of flexible employees; age, marital status and physical and mental status are the most root factors that influence the insurance participation behavior of flexible employees; the number of children, occupation period and social interaction play a key role in promoting the insurance participation behavior of flexible employees. Based on the analysis results, we will formulate corresponding strategies to increase the willingness of flexible employees to participate in the basic old-age insurance for urban workers. This research result is of great significance for alleviating the difficulties faced by flexible workers after retirement and improving the quality of life of flexible workers in China.