發(fā)布時(shí)間：2018-03-03 15:10

  本文選題：家庭結(jié)構(gòu)　切入點(diǎn)：商業(yè)養(yǎng)老保險(xiǎn)需求　出處：《西北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：家庭是社會(huì)生活的基本組成單位,承擔(dān)著家庭成員的養(yǎng)老、醫(yī)療、教育等諸多方面的保障功能,自新中國成立以來我國家庭結(jié)構(gòu)發(fā)生了很大的變化,主要表現(xiàn)為核心家庭減少、單人戶上升以及直系家庭穩(wěn)定,直系家庭、核心家庭、單人戶以及其他家庭結(jié)構(gòu)面臨的養(yǎng)老風(fēng)險(xiǎn)不盡相同,因此對(duì)于商業(yè)養(yǎng)老保險(xiǎn)需求也不盡相同。2015年推進(jìn)的二孩政策在未來幾十年會(huì)推動(dòng)家庭結(jié)構(gòu)發(fā)生更加深刻的變化,我國面臨的養(yǎng)老負(fù)擔(dān)也會(huì)加重,因此深入分析我國家庭結(jié)構(gòu)對(duì)商業(yè)養(yǎng)老保險(xiǎn)需求影響對(duì)正確理解相關(guān)政策以及向保險(xiǎn)公司提出適應(yīng)需求的政策建議具有重要意義。本文研究分析了家庭結(jié)構(gòu)對(duì)商業(yè)養(yǎng)老保險(xiǎn)需求影響的問題。首先分不同視角對(duì)國內(nèi)外相關(guān)文獻(xiàn)進(jìn)行梳理,概述了家庭結(jié)構(gòu)與商業(yè)養(yǎng)老保險(xiǎn)需求相關(guān)理論,并對(duì)我國養(yǎng)老保險(xiǎn)發(fā)展的現(xiàn)狀進(jìn)行定型和定量分析。最后,基于2011年中國家庭金融調(diào)查(CHFS)數(shù)據(jù)分別使用Probit回歸模型與Logit回歸模型,從微觀層面研究不同家庭結(jié)構(gòu)與商業(yè)養(yǎng)老保險(xiǎn)需求之間的關(guān)系。結(jié)果表明:單人戶并不會(huì)對(duì)于商業(yè)養(yǎng)老保險(xiǎn)需求有顯著影響,可能是因?yàn)榧彝ブ挥梢粋�(gè)組成,不存在贍養(yǎng)老人的壓力,而且對(duì)養(yǎng)老的概念較為模糊,因此對(duì)商業(yè)養(yǎng)老保險(xiǎn)需求較少;核心家庭顯著抑制商業(yè)養(yǎng)老保險(xiǎn)需求,原因可能是家庭中有經(jīng)濟(jì)能力的人較多,子女未婚,面臨的養(yǎng)老風(fēng)險(xiǎn)較小;直系家庭會(huì)顯著促進(jìn)商業(yè)養(yǎng)老保險(xiǎn)需求,直系家庭中人員較多并且家庭中需要被贍養(yǎng)的人越多,因此對(duì)于商業(yè)養(yǎng)老保險(xiǎn)需求越大�；谘芯拷Y(jié)果,本文提出了從保險(xiǎn)公司供給端改善以緩解養(yǎng)老壓力的幾點(diǎn)建議:(1)提高商業(yè)養(yǎng)老保險(xiǎn)產(chǎn)品針對(duì)性;(2)提高商業(yè)養(yǎng)老保險(xiǎn)保障程度;(3)加大養(yǎng)老保險(xiǎn)宣傳力度。
[Abstract]:The family is the basic unit of social life, bear the family pension, medical care, education and other aspects of the security function, the new Chinese since the establishment of China's family structure has undergone great changes, mainly for the core family reduced, single person households and the rise of direct family stability, immediate family, nuclear family, pension risk facing the single family and other family structure is not the same, so for the commercial endowment insurance demand are not the same.2015 years to promote the two child policy in the coming decades will promote the family structure changes more deeply, the pension burden faced by China will also increase, so the in-depth analysis of the impact of China's family structure of commercial pension the insurance needs to correctly understand the relevant policies and insurance companies to have important significance to meet the needs of policy recommendations. This paper analyzes the structure of family business Effect of industry endowment insurance demand. Firstly, different perspectives on the domestic and foreign related literatures, summarizes the theory of family structure and commercial endowment insurance demand, and analyzes the status quo of the development of endowment insurance in China to conduct design and quantitative analysis. Finally, based on the 2011 Chinese Household Finance Survey (CHFS) data using Probit regression model with the Logit regression model, the relationship between the micro level of different family structures and commercial pension insurance demand. The results show that the single family does not have significant impact on the commercial endowment insurance demand, may be because the family by only one which does not exist to support the elderly and pressure on pension concept is vague, so the commercial endowment insurance demand is less; the core family significantly inhibited the commercial endowment insurance demand, may have economic ability in the family with more people, not children Marriage, pension risk faced is small; the immediate family will significantly promote the commercial endowment insurance demand, more people need more dependents of the immediate family and family, so for the pension insurance business in greater demand. Based on the research results, this paper puts forward some improvement proposals to ease the pressure of the pension insurance company from the supply side: (1) improve the commercial pension insurance products targeted; (2) improve the level of pension insurance business; (3) increase the endowment insurance publicity.

【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：C913.1;F842.67

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