本文關鍵詞： 農(nóng)村 商業(yè)養(yǎng)老保險 參保決策 影響因素 LOGISTICS回歸分析　出處：《東北農(nóng)業(yè)大學》2015年碩士論文　論文類型：學位論文

【摘要】：在人口老齡化問題日益嚴重的廣大黑龍江省農(nóng)村地區(qū),傳統(tǒng)的養(yǎng)老保障已不足以保障農(nóng)村居民未來的生活問題,如果只是單純的依靠政府和家庭的支持,并不能提高農(nóng)村老年居民的生活水平,保證農(nóng)村老年居民的晚年生活質(zhì)量。商業(yè)養(yǎng)老保險是社會養(yǎng)老保險的重要補充,可以填補社會養(yǎng)老保險的空白地帶,具有專業(yè)性強、產(chǎn)品靈活等特征,滿足不同層次消費者的不同需求,拓展農(nóng)村地區(qū)的社會保障范圍,減輕政府、家庭和個人的養(yǎng)老壓力。但是通過對實地調(diào)查研究發(fā)現(xiàn),黑龍江省存在農(nóng)村居民對商業(yè)養(yǎng)老保險潛在需求較高而實際參保率卻較低這一現(xiàn)狀,農(nóng)村商業(yè)養(yǎng)老保險潛在需求與實際參保率存在非對等關系。所以說,農(nóng)村居民擁有明確的參保決策,保險公司提供豐富可靠的保險產(chǎn)品,健全的法律法規(guī)是完善黑龍江省農(nóng)村養(yǎng)老保障體系的法寶。當前保險公司在開拓黑龍江省農(nóng)村養(yǎng)老保險市場方面雖然已取得一定的成績,但仍存在參保不積極,發(fā)展動力始終不足等問題。因此,對農(nóng)村居民投保決策影響因素的研究是一項系統(tǒng)而又復雜的工程,如果根據(jù)農(nóng)村居民參保決策的幾個重要影響因素有針對的提出增加黑龍江省農(nóng)村商業(yè)養(yǎng)老保險參保率的對策建議。本文以黑龍江省農(nóng)村居民這一微觀主觀為研究對象,以黑龍江省的哈爾濱市、七臺河市、黑河市三個地方的農(nóng)村為研究樣本區(qū)域,對這些地區(qū)的農(nóng)村居民在商業(yè)養(yǎng)老保險參保情況方面進行抽樣調(diào)查。將農(nóng)村居民參保決策的影響因素從個人層面、家庭層面、認知層面、供給層面這四大方面分別展開。首先,閱讀了大量國內(nèi)外文獻對學者的研究觀點進行闡述分析,同時闡明研究黑龍江省農(nóng)村商業(yè)養(yǎng)老保險的背景、目的與意義。在此基礎上,又對農(nóng)村居民參加商業(yè)養(yǎng)老保險的必要性及發(fā)展現(xiàn)狀進行分析。其次,本人通過相關理論及相關方法的研究后,進行了實地調(diào)研,做到理論與實際相結合,再次,對調(diào)查結果進行影響因素分析,并用LOGISTICS模型對其進行實證檢驗,以了解農(nóng)村居民進行商業(yè)養(yǎng)老保險參保決策各影響因素的程度,得出九個因素對商業(yè)養(yǎng)老保險參保決策具有影響,分別是,家庭年收入、對保險公司服務滿意程度、對養(yǎng)老保險的了解程度、身體狀況、教育程度、家庭支出、保費金額、子女數(shù)、對保障水平的滿意程度。最后,有針對性的從政府政策層面和保險公司層面為提高黑龍江省參保率提出建議。
[Abstract]:In the vast rural areas of Heilongjiang Province, where the problem of population aging is becoming increasingly serious, the traditional old-age security system is no longer sufficient to ensure the future life of rural residents, if only relying on the support of the government and families. Commercial old-age insurance is an important supplement to social old-age insurance, it can fill the blank area of social old-age insurance, and has a strong specialization. Flexible products and other characteristics, to meet the different needs of consumers at different levels, to expand the scope of social security in rural areas, and to alleviate the pressure on the government, families and individuals to provide for the aged. In Heilongjiang Province, the potential demand for commercial old-age insurance is high but the actual participation rate is low, and the potential demand for rural commercial old-age insurance is not equal to the actual participation rate. Therefore, there is a non-reciprocal relationship between the potential demand for rural commercial old-age insurance and the actual participation rate. Rural residents have a clear decision to participate in insurance, insurance companies provide a wealth of reliable insurance products, Sound laws and regulations are a magic weapon to perfect the rural old-age security system in Heilongjiang Province. Although the insurance companies have made some achievements in developing the rural old-age insurance market in Heilongjiang Province, they still have not actively participated in the insurance. Therefore, it is a systematic and complex project to study the influencing factors of rural residents' insurance decision. If according to several important influencing factors of rural residents participating in insurance policy, the countermeasures and suggestions to increase the participation rate of rural commercial old-age insurance in Heilongjiang Province are put forward. This paper takes the rural residents of Heilongjiang Province as the research object. Taking the rural areas of Harbin, Qitaihe and Heihe in Heilongjiang Province as the sample areas, A sample survey was conducted on the commercial old-age insurance participation of rural residents in these areas. The influencing factors of rural residents' participation decision-making were carried out from the individual level, the family level, the cognitive level, and the supply level. First of all, After reading a large number of domestic and foreign documents, this paper expounds and analyzes the scholars' research views, and expounds the background, purpose and significance of the research on the rural commercial endowment insurance in Heilongjiang Province. Secondly, through the research of relevant theory and related methods, I have carried out field investigation, so as to combine theory with practice, again, This paper analyzes the influencing factors of the survey results and makes an empirical test on them with LOGISTICS model in order to understand the extent of the influencing factors of the commercial endowment insurance policy decision made by rural residents. It is concluded that nine factors have an impact on the decision of commercial old-age insurance participation, namely, the annual income of the family, the degree of satisfaction with the service of the insurance company, the degree of understanding of the old-age insurance, the state of health, the level of education, the expenditure of the family, and the amount of the premium. The number of children, the degree of satisfaction with the level of security. Finally, from the government policy level and insurance company level to improve the rate of insurance in Heilongjiang Province put forward suggestions.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F842.67

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