基于ISM的灵活就业人员城镇职工养老保险参保决策影响因素研究

Research on the Factors Influencing the Participation Decision of Flexible Employees in Urban Employee Pension Insurance Based on ISM

摘要: 为系统分析灵活就业人员城镇职工养老保险参保决策影响因素间关系，建立灵活就业人员城镇职工养老保险参保决策影响因素的解释结构模型。在灵活就业人员城镇职工养老保险参保决策影响因素系统梳理以及专家打分的基础上，筛选出12项主要因素；然后，运用解释结构方法，建立了灵活就业人员城镇职工养老保险参保决策影响因素的整体框架模型。研究表明：收入、以往工作经验、职业稳定性，养老风险意识、养老保险政策了解程度和养老保险政策可及性是灵活就业人员城镇职工基本养老保险参保决策的直接影响因素。年龄、受教育程度、子女数量、养老保险缴费标准、养老保险待遇水平和养老保险激励机制是间接影响因素。

Abstract: In order to systematically analyze the relationships among the factors influencing the participation of urban employee pension insurance for flexible workers, this paper establishes an explanatory structural model. Based on the systematic review of the influencing factors of urban employee pension insurance participation decisions for flexible workers and expert ratings, 12 main factors were selected. Then, using the explanatory structural method, an overall framework model is developed for the influencing factors of flexible employment workers’ participation in urban employee pension insurance decision-making. The study indicates that income, previous work experience, occupational stability, awareness of pension risks, understanding of pension insurance policies, and accessibility of pension insurance policies are direct influencing factors on the basic pension insurance participation decisions of flexible employment workers in urban areas. Age, level of education, number of children, pension insurance contribution standards, pension insurance benefit levels, and pension insurance incentive mechanisms are indirect influencing factors.