摘要
针对城乡居民社会养老保险制度实施中存在的参保居民缴费水平低的问题,基于河南省某地级市近500户居民的入户调研数据,利用Logistic回归模型对城乡居民基本养老保险参保缴费的影响因素进行了实证分析。模型结果表明,影响居民参保缴费的因素不尽相同。其中,个人变量中的户籍、年龄、健康状况、文化程度四个变量对农户缴费档次的选择有不同程度的影响;家庭变量中的月均收入和子女个数对农户缴费档次的选择有显著影响;政策因素中的城乡居民养老保险缴费档次及养老待遇了解度、宣传程度以及知晓途径对农户缴费档次的选择有明显影响。同时从这些影响因素入手,提出了提高农民参保缴费积极性、推动城乡居民养老保险可持续发展的建议。
Aiming at the problem of low payment level of residents in the implementation of the social endowment insurance system for urban and rural residents,usingthe logistic regression model to analyse empirically the influence factors of urban and rural residential insurance participationbased on the household survey data of nearly 500 households in a prefecture-level city in Henan Province.The re-sults of the model show that the factors that affect residents’insurance premiums are not the same.Among them,four variables of household registration,age,health status,and educational level in the personal variables have a significant impact on the choice of payment grades for residents;the average monthly income and the number of children in the family variables have a significant impact on the choice of payment grades for residents;policies;Among the factors,the payment grades of urban and ru-ral residents’pension insurance,the degree of understanding of pension benefits,the degree of publici-ty,and the ways of knowing have a significant impact on the choice of payment grades for residents.Fi-nally,we puts forward suggestions to improve farmers’enthusiasm for participating in insurance and payment,and to promote the sustainable development of the urban and rural housing insurance system.
出处
《金融理论与实践》
北大核心
2021年第11期111-118,共8页
Financial Theory and Practice
关键词
城乡居民养老保险
缴费现状
影响因素
the basic pension insurance system payment for urban and rural residents
payment level
influencing factors
