居民社会态度对商业养老保险购买行为的影响
The Influence of Residents’ Social Attitudes on Their Commercial Pension Insurance Purchasing Behavior

商业养老保险是我国养老保险体系的重要组成部分，而公众的社会态度将会影响其对于商业养老保险的潜在需求和现实行为，因此研究社会态度对居民商业养老保险购买行为的影响对健全多层次养老保障体系具有重要现实意义。本文基于2021年中国综合社会调查(CGSS)数据，选取二元Logistic模型，运用Stata14.0软件实证分析居民社会态度对其商业养老保险购买行为的影响。研究发现：控制变量对居民购买商业养老保险行为的影响存在差异，社会态度整体上显著影响着居民购买商业养老保险的行为。为此，要加快营造良好的社会环境，强化政策支持力度，以提升居民商业养老保险购买行为，实现养老保险制度可持续发展。
Commercial pension insurance is an important part of China’s pension insurance system, and the public’s social attitudes will influence their potential demand and actual behavior toward commercial pension insurance. Therefore, it is of great practical significance to study the influence of social attitudes on residents’ commercial pension insurance purchasing behavior to improve the multi-level pension security system. Based on the data from the 2021 China General Social Sur-vey (CGSS), this paper selects a binary logistic model and uses Stata 14.0 software to empirically analyze the influence of residents’ social attitudes on their commercial pension insurance purchasing behavior. It was found that there were differences in the effects of control variables on residents’ behavior of purchasing commercial pension insurance, and social attitudes as a whole significantly influenced residents’ behavior of purchasing commercial pension insurance. In this regard, it is necessary to accelerate the creation of a favorable social environment and strengthen policy support in order to enhance residents’ commercial pension insurance purchasing behavior and achieve sustainable development of the pension insurance system.