Study On The Purchase Intention Of Tax-deferred Commercial Endowment Insurance In Zhengzhou

On April 11,2018 the ministry of finance,state ministration of taxation,the ministry,silver insurance regulatory commission and the securities and futures commission 5 department jointly issued the "implementation of personal tax deferred model of commercial endowment insurance pilot notice,specifies the type tax deferred endowment insurance pilot areas in China and a model of endowment insurance tax delay type products,has been clear about the preferential tax delay deduction quota for the month and 6% of wages and salaries,continuity,labor remuneration income incurred in 1000 yuan.In recent years,China's aging problem is increasingly serious,has become one of the fastest aging countries.It is urgent to solve the aging problem.How should we deal with such a severe situation? Old-age insurance mainly consists of social security insurance,enterprise annuity and commercial old-age insurance.Social insurance is the most basic insurance.It can only guarantee the basic life of the elderly after retirement,and enterprise annuity and commercial endowment insurance are complementary to the social basic endowment insurance.Enterprise annuity system development relative lag,due to the higher threshold,participation in enterprise is relatively small,makes our country's enterprise annuity cannot very good addition to the social basic safeguard insurance effect,at the same time as well as social basic endowment insurance,enterprise annuity system are greatly influenced by the government,are relatively less flexible,in the short term is difficult to have big changes.Commercial endowment insurance is operated by insurance institutions and purchased voluntarily by individuals.It is highly market-oriented,flexible and highly efficient with strong operability.Tax deferral could be a good solution.Because the deferred individual income tax can reduce the pressure of individual tax burden to a certain extent,and at the same time reduce the financial payment pressure of the government,which is conducive to solving the increasingly serious problem of aging population in China.On the premise of the realistic background of China's aging population,takes the status quo of tax-deferred pension insurance pilot products as the entry point,combines the status quo of pension insurance for residents in zhengzhou,and makes a descriptive analysis of the influencing factors of residents' willingness to purchase tax-deferred pension insurance from multiple aspects.Firstly,local residents in zhengzhou were selected as the research objects.Questionnaires were randomly distributed to residents in zhengzhou high-tech zone,erqi district,zhongyuan district,huiji district and zhengdong new district.The data required in this paper were obtained through online questionnaires and telephone interviews with insurance industry practitioners.Secondly,classified statistics are made on the income data to study the actual influencing factors of tax-deferred endowment insurance on the purchase intention of commercial endowment insurance of zhengzhou citizens,and analyze the reasons that may affect the purchase intention of tax-deferred endowment insurance of zhengzhou residents from the income data.Then,the Logistic regression model was used to study the factors influencing the willingness of residents in zhengzhou to purchase taxdeferred pension insurance,and explain these factors.Finally,according to the survey results and empirical analysis of residents in zhengzhou city put forward relevant countermeasures and Suggestions.The first is to set up the deduction proportion of the tax deferral range;The second is to improve the collection capacity of tax authorities;Three is from the region,the income as well as the age difference insured personnel;Fourth,expand insurance marketing channels.