An Analysis On Commercial Endowment Insurance Demand Of The Parents Of City One-child Family Of Hebei Province

In the 80's,with the promoting of family planning policy,one-child problem become expert research hotspot and the focus problems in China. The one-child policy has become an important part of China's basic national policy of family planning. Now family planning policy which developed more than thirty years has made significant achievements, especially in cities, most of the families have become the one-child family, however, what come along with it is the only-child parents became slowly into old age, their pension problem has become the social attention problem. Under the situation of the problem of the aging population is becoming more and more obvious, the problem of provide for the aged parents with only one child is particularly prominent.Here are the prediction that the next ten years to twenty years,70% of the city's 60 years old or older are the one-child family parents.Today in the development of Social pension insurance, The study if there is a demand for the one-child family to have commercial pension insurance to supplement has the following meanings:Significance:This study is a Research of special family structure and special old-age population which cause by the implementation of family planning policy. This study will contribute to the perfection and supplement the old-age security system,make the endowment insurance theory study further, more detailed, and full of Chinese characteristics and prospective.Realistic significance:first, It can guarantee the one-child parents' care, medical services and their basic living standard; second, It can reduce the overweight burden of the youth.and brings a targeted pension measures to "four two one" structure families;third, In the situation of the growing of the aging population today, the one-child parents measures can reduce the social burden; fourth, this is a supplementary pension insurance system, different groups according to different needs can choose different ways.The main contents are as follows:The first part includes the purpose of the study, the background and significance of research, one-child family parents pension problem related literatures analysis, research methods, and points out that the innovation of paper structure.The second part is according to the actual situation analysis, setting variables, the dependent variable was the city one-child parents whether or not to purchase commercial pension insurance, the independent variables were age, gender, occupation status, salary level, educational level, city, whether to participate in the social pension insurance, participate in the social pension insurance purposes, and make theoretical hypothesis of the effect of each factor.The third part studys the influence of the factor of city one-child parents buy commercial endowment insurance. Based on questionnaires and statistical data, it can give a clear explanation. And then drawing analysis, tabulation for the features, respondents to the characteristics of the commercial pension insurance awareness and acceptance, income and other factors, sorting out the group with a clear overview.The fourth part is setting logistic regression analysis for the influence factor that city one-child family parents attending pension insurance business. Before the Logistic regression analysis,analysis the critical level between each variable and dependent variables. Using a likelihood ratio chi-square value the significant level, with the P value detection correlation degree. Then inspecting the correlation between each variable size by lambda,The analysis appears especially important when the data sample size is not large enough, it can removed the dependent variable is not related to or slightly related. Reducing the number of variables in the model, as far as it is possible to eliminate the defect of insufficient sample size, thereby improving the model fitting. Then introduce the logistic model, and analysis the results of regression.The fifth part is pointed out the problem and put forward some suggestions.This research methods:questionnaire, logic analysis, econometric analysis.The innovative points in this paper:the data is getting in the way of field visits and online questionnaire, it can response to the local people's real intention rather than getting from the data acquisition, the data will be more representative. According to the specific factors (such as:age, occupation etc.). I will use the SPSS to analysis, to get the correlation of the factors and purchasing or not. This study contributes to develop high quality and efficient products which againstthis special group of the city one-child family, which ensure the whole society getting more stable.The deficiencies of this paper:due to limited number of questionnaires, the data can not reflect the actual situation accurately. It can only give a direction to study the overall. At the same time, the three city is used with the purpose of sampling, the results of the degree of generalization is limited, but before the acquisition of more complete data on the state,this analysis can improve business efficiency of the work of the old-age insurance.