互联网使用对城乡居民商业养老保险购买决策的影响——基于CGSS2017的调查数据
The Influence of Internet Use on Urban and Rural Residents’ Purchasing Decisions of Commercial Endowment Insurance—Based on CGSS2017 Survey Data

在人口老龄化背景下，发展商业养老保险是缓解养老金给付压力和构建多层次养老保险体系的重要方式。基于Probit模型，探究互联网使用对城乡居民商业养老保险购买决策的影响，并分别对城镇居民和农村居民的参保决策进行对比分析。分析得出：互联网使用可以有效促进居民参与商业养老保险购买；在城乡差异中，互联网使用促进购买商业养老保险的作用对农村居民影响较城市居民的明显。通过以上分析为促进我国第三支柱养老保险发展提供可行路径。
Under the background of population aging, the development of commercial endowment insurance is an important way to relieve the pressure of pension payment and construct a multi-level endow-ment insurance system. Based on the Probit model, this paper explores the influence of Internet use on the purchase decision of commercial endowment insurance for urban and rural residents, and makes a comparative analysis of the insurance participation decision of urban residents and rural residents. The analysis shows that Internet use can effectively promote residents to partici-pate in the purchase of commercial endowment insurance; Among the differences between urban and rural areas, the effect of Internet use in promoting the purchase of commercial endowment in-surance is more obvious for rural residents than for urban residents. Through the analysis pro-motes the development of our third pillar endowment insurance to provide feasible way.