家庭经济资本、信息渠道影响与我国居民商业养老保险参保行为研究——基于CGSS2017的实证分析
Research on the Influence of Family Economic Capital and Information Channels and the Participation Behavior of Chinese Residents in Commercial Endowment Insurance—Empirical Analysis Based on CGSS2017

本文基于CGSS2017年数据，利用二元Logit模型检验了家庭经济状况、信息渠道对居民商业性养老保险的参保意愿。数据分析表明，个体人口、经济、社会特征是影响商业性养老保险参保率的基本影响因素。家庭经济资本变量(“家庭拥有房产数”、“家庭投资情况”)对居民参保概率具有正向积极作用。信息渠道(“社会互动”、“互联网使用概率”)主要通过线上、线下互动渠道对我国居民商业性养老保险参保意愿的提高具有显著促进作用。所以我们要发展有针对性的养老产品和服务，加强保险宣传力度，完善金融教育体系，构建信息平台，重视社会互动。
Based on the data of CGSS2017, this paper uses the binary logit model to test the household economic status and information channels’ willingness to participate in commercial endowment insurance. Data analysis shows that individual demographic, economic and social characteristics are the basic factors affecting the participation rate of commercial old-age insurance. Family economic capital variables (“number of houses owned by families”, “family investment”) have a positive effect on residents’ insurance participation probability. Information channels (“social interaction”, “Internet use probability”) can significantly promote the improvement of residents’ willingness to participate in commercial endowment insurance mainly through online and offline interactive channels. Therefore, we should develop targeted pension products and services, strengthen insurance publicity, improve the financial education system, build an information platform, and pay attention to social interaction.