發(fā)布時(shí)間：2018-06-01 12:35

  本文選題：蘭州市 + 城鎮(zhèn)居民��； 參考：《蘭州大學(xué)》2014年碩士論文

【摘要】：所謂商業(yè)養(yǎng)老保險(xiǎn)是指以獲得養(yǎng)老金為主要目的的長(zhǎng)期人身險(xiǎn),它是年金保險(xiǎn)的一種特殊形式,又稱(chēng)為退休金保險(xiǎn),具有專(zhuān)業(yè)性強(qiáng)、產(chǎn)品靈活等特征,可以滿(mǎn)足人們不同的需求,是社會(huì)基本養(yǎng)老保險(xiǎn)的補(bǔ)充。蘭州市作為甘肅省省會(huì)城市,人口密度較大,老年人口撫養(yǎng)比較大,人口老齡化程度超過(guò)全國(guó)總水平。與此同時(shí),社會(huì)養(yǎng)老保障體系尚不完善,社會(huì)基本養(yǎng)老保險(xiǎn)遠(yuǎn)遠(yuǎn)不能滿(mǎn)足人們的養(yǎng)老需求,個(gè)人、家庭、社會(huì)的養(yǎng)老問(wèn)題日趨嚴(yán)重。在此情況下,商業(yè)養(yǎng)老保險(xiǎn)需求理應(yīng)很大,而當(dāng)前蘭州市城鎮(zhèn)居民商業(yè)養(yǎng)老保險(xiǎn)市場(chǎng)需求明顯不足,商業(yè)養(yǎng)老保險(xiǎn)作用沒(méi)有發(fā)揮出來(lái)。為此,本研究選取了蘭州市的部分地區(qū)對(duì)城鎮(zhèn)居民進(jìn)行調(diào)查研究,獲得第一手材料,對(duì)蘭州市商業(yè)養(yǎng)老保險(xiǎn)需求的各影響因素進(jìn)行描述性統(tǒng)計(jì)分析和實(shí)證檢驗(yàn),以了解各因素的影響程度,提出刺激商業(yè)養(yǎng)老保險(xiǎn)需求的建議。 本文共包括六個(gè)部分：第一部分介紹了研究背景與意義、研究思路與方法,綜述了國(guó)內(nèi)外相關(guān)研究成果；第二部分概述了相關(guān)理論；第三部分從保險(xiǎn)機(jī)構(gòu)、險(xiǎn)種供給、保費(fèi)收入與保險(xiǎn)金給付支出等方面對(duì)蘭州市商業(yè)養(yǎng)老保險(xiǎn)現(xiàn)狀進(jìn)行分析；第四部分通過(guò)對(duì)調(diào)查問(wèn)卷的分析,定性描述了蘭州市商業(yè)養(yǎng)老保險(xiǎn)需求的影響因素；第五部分使用Logitp模型回歸對(duì)蘭州市城鎮(zhèn)居民商業(yè)養(yǎng)老保險(xiǎn)需求影響因素進(jìn)行了實(shí)證檢驗(yàn),結(jié)果顯示,對(duì)蘭州市城鎮(zhèn)居民商業(yè)養(yǎng)老保險(xiǎn)需求有正影響的變量,按影響大小依次為,對(duì)商業(yè)養(yǎng)老保險(xiǎn)的了解程度、親朋好友購(gòu)買(mǎi)商業(yè)養(yǎng)老保險(xiǎn)行為影響、保險(xiǎn)公司服務(wù)滿(mǎn)意程度、對(duì)現(xiàn)有險(xiǎn)種保障水平的滿(mǎn)意程度、子女?dāng)?shù)、家庭人均年收入；對(duì)蘭州市城鎮(zhèn)居民商業(yè)養(yǎng)老保險(xiǎn)需求有負(fù)影響的變量,按影響大小依次為,現(xiàn)有險(xiǎn)種保費(fèi)高低程度、企業(yè)是否參加補(bǔ)充養(yǎng)老保險(xiǎn)計(jì)劃、身體狀況、社會(huì)基本養(yǎng)老保險(xiǎn)滿(mǎn)足養(yǎng)老需求程度。總體而言,供給因素對(duì)蘭州市城鎮(zhèn)居民商業(yè)養(yǎng)老保險(xiǎn)需求影響最大,其次是家庭因素和社會(huì)因素,而個(gè)人因素、單位因素、認(rèn)知因素相對(duì)影響較��；第六部分在前五部分研究的基礎(chǔ)上總結(jié)研究結(jié)論,并提出有針對(duì)性的對(duì)策建議。
[Abstract]:The so-called commercial endowment insurance refers to the long-term life insurance with the main purpose of obtaining the pension. It is a special form of annuity insurance, also called pension insurance, which has the characteristics of strong specialization, flexible products, etc. Can meet people's different needs, is the social basic endowment insurance supplement. As the capital city of Gansu Province, Lanzhou has a large population density, a large number of elderly people, and an aging population that exceeds the total level of the whole country. At the same time, the social old-age security system is not perfect, social basic old-age insurance can not meet the needs of the people, the individual, the family, the social old-age problems are becoming more and more serious. In this case, the demand for commercial old-age insurance should be very large, but at present, the demand for commercial old-age insurance for urban residents in Lanzhou is obviously insufficient, and the role of commercial old-age insurance has not been brought into play. For this reason, this study selected parts of Lanzhou City to investigate and study urban residents, obtain first-hand materials, and carry out descriptive statistical analysis and empirical test on the factors affecting the demand for commercial old-age insurance in Lanzhou. In order to understand the impact of various factors, proposed to stimulate the demand for commercial pension insurance proposals. This paper consists of six parts: the first part introduces the research background and significance, the research ideas and methods, summarizes the relevant research results at home and abroad; the second part summarizes the relevant theory; the third part from the insurance institutions, insurance supply, The paper analyzes the current situation of commercial endowment insurance in Lanzhou from the aspects of premium income and payment of insurance funds. The fourth part qualitatively describes the influencing factors of the demand for commercial old-age insurance in Lanzhou through the analysis of questionnaire. The fifth part uses the Logitp model regression to carry on the empirical test to the Lanzhou city resident commercial endowment insurance demand influence factor, the result shows that the Lanzhou city resident commercial endowment insurance demand has the positive influence variable, according to the influence order is, The degree of understanding of commercial old-age insurance, the influence of the behavior of relatives and friends to buy commercial endowment insurance, the satisfaction degree of insurance company's service, the satisfaction degree of the existing insurance level, the number of children, the average annual income of the family; The variables that have a negative effect on the demand for commercial old-age insurance for urban residents in Lanzhou are, according to the order of influence, the degree of insurance premium of the existing insurance, whether the enterprise participates in the supplementary pension insurance plan, and whether the enterprise is in good health. Social basic endowment insurance meets endowment demand degree. In general, supply factors have the greatest influence on the demand of commercial old-age insurance for urban residents in Lanzhou, followed by family factors and social factors, while personal factors, unit factors and cognitive factors have a relatively small impact; The sixth part summarizes the research conclusions on the basis of the first five parts, and puts forward some countermeasures and suggestions.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.67

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