社会互动、养老责任认知对居民养老保险参保行为的影响研究
Study on the Influence of Social Interaction and Cognition of Pension Responsibility on Residents’ Participation Behavior in Pension Insurance

养老保险作为一项重要的社会保障制度，在我国居民的福利保障中起着至关重要的作用。社会互动、养老责任认知成为影响居民参与养老保险的重要因素，那么，在基本养老保险政策逐步推行的过程中，社会互动及养老责任认知是如何在居民养老保险参保行为中产生影响？本文从社会互动论视角出发，以CGSS 2021年数据为研究样本，通过建立Logit模型，探讨社会互动与养老责任认知对居民养老保险参保行为的影响，研究显示：社会互动和养老责任认知均对居民养老保险参保行为产生显著影响，社会互动能够为居民提供更多的信息交流机会，进而提高居民参保的积极性。秉持现代养老责任观念的居民能够意识到购买养老保险的重要性，因而他们更有可能主动选择购买养老保险。
As an important social security system, the pension insurance plays a vital role in the welfare security of Chinese residents. Social interaction and cognition of pension responsibility have become important factors affecting residents’ participation in pension insurance. Then, in the process of the gradual implementation of basic pension insurance policy, how do social interaction and cognition of pension responsibility have an impact on residents’ participation behavior in pension insurance? From the perspective of social interaction theory, this paper takes CGSS 2021 data as research samples and establishes Logit model to explore the impact of social interaction and cognition of pension responsibility on residents’ participation behavior in pension insurance. The research shows: Both social interaction and cognition of pension responsibility have a significant impact on residents’ behavior of participating in pension insurance. Social interaction can provide residents with more opportunities for information exchange, and thus improve their enthusiasm to participate in insurance. Residents who adhere to the modern concept of pension responsibility can realize the importance of buying pension insurance, so they are more likely to choose to buy pension insurance.