A Study On The Old - Age Willingness Of Middle - Aged People In China And Its Influencing Factors

Since reform and opening up, along with the development of economy, science and technology of China, the average life expectancy of public is extended. Under the strict implementation of family planning policy, the birth rate of China dropped substantially, the proportion of the elderly population accounts for the total population increased rapidly. Based on the serious reality supporting for the eldly, this thesis respectively from two aspects of pension living desire and pension funding sources to explore China’s endowment of middle-aged people, and then analyzes the factors affecting and middle-aged people’s current endowment intend in our country. The research data in this thesis is from CHARLS project done by China Center for Economic Research of Peking University in 2011. The sample is collected all over the provinces in China except Hainan and Tebet, STATA10.0 was used for statistical analysis. In the thesis, the independent variable is divided into four dimensions: demographic characteristics, health status, the situation of children and security status, according to the type of dependent variables, using disorder multinomial Logistic regression method to analyze the data, the conclusion as follow:Living desire for middle-aged people have significant differences in age; Middle-aged people who are 56 to 60 years old are satisfied to live with their children; Women are more willing to live with their children than men, the possibility of women choose to live with their children is 82% higher than for male; The urban middle-aged people in the choice of old-age residence, tend to pursue individual quality of life, while the rurals are presenting a phenomenon which middle-aged people depend on their children when they are old. The level of eduction have a obvious impact on middle-aged people’s living desire, the higher education level one gets, the less willing to live with his or her children, the more willing to live with spouses or alone; If middle-aged people are in good health, more people are willing to live with spouse or alone; Children are not necessarily for wealth; The more financial support from children, the middle-aged people are less willing to live with their children; The people who have endowment insurance are inclined to live with spouse or alone.The middle-aged people in rural areas are tend to get pension savings by themselves; The one who have a high level of education prefer commercial endowment; The middle-aged people in good health are more willing to support themselves by savings; The one who have less children are more willing to save endowment and rely on pension endowment; The more endowment insurance middle-aged people have, the more willing they are to choose savings or commercial endowment to support themselves.