Research On The Choice Of The Pension Mode Of Only Child Parents And Its Influencing Factors

Population aging is a common problem faced by all countries in the world,especially in China.At the same time,with the implementation of the family planning policy in China for more than 30 years,hundreds of millions of one-child families have emerged,and the elderly population of one-child families in China is huge.At present,the parents of the only child have gradually stepped into the old age team,and the only child family is facing the realistic pension dilemma and pension risk.In view of the above background,in order to understand the only child parents’ choice of pension mode and its influencing mechanism.This article is based on the old age society tracked CLASS data to select only one child of the one-child family old man samples,filtered through to the related questions and Settings,singleton female parents pension choice can be divided into their home pension,children home endowment and institution endowment three ways,the influence factors of pension mode selection can be divided into the individual characteristics,quality of life,pensions and intergenerational support four dimensions.Stata14.0 data analysis software was used for the interaction analysis of single factor,and the disordered multi-classification mlogit regression model of pension mode was constructed,so as to explore the practical choice of pension mode under the influence of different dimensions of the parents of the only child.According to the results of quantitative analysis,the following conclusions are drawn.First of all,the results of the pension mode selection of the parents of the only child show that the family is the mainstream,followed by the children’s family pension and the least institutional pension,which reflects that the parents of the only child have a strong sense of independent pension,the traditional family pension function is weakened,the social pension mechanism is not sound,and the concept of social pension needs to be improved.In addition,by further comparison with the pension choice of multi-child families,the foundation of the pension of the parents of the only child is weak,and the pension intention of the parents of the only child presents the characteristics of independence and socialization more obvious.Secondly,in terms of factors affecting endowment way choice,gender,marital status,urban and rural differences in demographic factors,quality of life factors of self-care ability and lifestate,community participation,relatives and friends to help,obtained endowment of cognitive factors endowment concept understanding,pension plan,nursing homes,care needs,and funding of intergenerational support factors children,children meet frequency,children distance factors such as gender,children live,have significant effects on the one-child parents choose endowment way.Based on the results of empirical analysis,relevant countermeasures and Suggestions are put forward.At the macro level,the government should improve the one-child family’s incentive policy and promote the implementation of the one-child paid nursing leave;adhere to the home for the elderly as the basis,the establishment of a multi-subject participation in the home for the elderly service system;adhere to the institutional pension as a supplement,improve social pension services;encourage private capital to participate in the old-age care industry and provide differentiated and diversified old-age care services.At the micro level,children need to provide financial support and care for their parents;Encourage nearby support and provide support for the elderly;the elderly themselves should change the concept of pension,do their own pension planning,at the same time actively participate in the elderly activities,enrich the spiritual world.