The Study On The Development Situation And The Influencing Factors Of Commercial Pension Insurance In Chinese Rural Areas

Based on the fact that the situation of old-age security in rural areas is becoming more and more serious,this article strives to play the joint role of social pension insurance and commercial pension insurance to narrow the gap between urban and rural commercial pension insurance,and provide policy recommendations for properly solving the problem of rural pension.This article studies the development status of China's rural pension insurance business in the macro data and CHARLS survey data,starting from the characteristics of family characteristics,China's commercial pension insurance population in rural areas,analyzes the individual attributes,introducing Logistic regression model to analysis the influence factors of the behavior,the age,education level,health status,the level of family saving are the result of the analysis the main factors affecting the rural commercial pension insurance rate.At the same time,this article puts forward some suggestions on the government policies and the development strategies of insurance company.For example,according to the level of rural purchasing power,we should formulate relevant fiscal and tax policies,based on our country's rural social development status and the influence factors of commercial pension insurance in rural areas to increase commercial pension insurance product development etc.