| The essence of pension planning is to make preparations in advance to meet the needs of pension.Reasonable pension planning can effectively avoid various risks caused by aging,so as to effectively ensure the quality and standard of pension life.In this context,this thesis uses the data of the China longitudinal aging social survey(CLASS)in 2018 to divide social support into three dimensions: formal social support provided by the government,informal social support provided by the family,and social interaction support of the elderly,based on the life cycle consumption theory,social support theory,and welfare pluralism theory,The elderly pension planning is divided into two dimensions: pension housing planning and pension economic planning,to explore the impact of social support and aging attitude on the elderly pension planning,and introduce the variable of social equity perception.Finally,relevant policies and suggestions are obtained according to the empirical results.The specific research results are as follows:In this thesis,spss25 is used to clean and process the data,sort out the current situation of the elderly’s pension housing planning and pension economic planning respectively,and then carry out the impact on the elderly’s pension housing planning through the disordered multi classification logistic regression method.It is found that when the elderly’s individual state is better,they are more inclined to rely on their own pension;The elderly who receive formal social support from the government are more inclined to rely on their own pension,while the elderly who lack pension security are more inclined to rely on their children for pension;The more informal family support the elderly receive,the more inclined they are to choose their children to support the elderly,but the childless elderly will have a higher degree of acceptance of pension institutions;There are great differences between urban and rural elderly pension housing planning;When the older people’s aging attitude is more negative,the older people are more unable to accurately make pension housing planning;The stronger the perception of social equity,the greater the probability of elderly people choosing pension institutions.Through the adjusted intermediary model to expand the impact on the elderly pension economic planning,it is found that in addition to the intermediary effect of aging attitude in the impact of social interaction support on the elderly pension planning,in the formal social support provided by the government,aging attitude has a significant masking effect on the dimension of elderly people receiving pension security of more than 1000 yuan(Effect=-0.043,95%BOOTCI[-0.060,-0.026]),Aging attitude has a significant mediating effect on the dimension of the elderly receiving pension security of 1000 yuan or less(Effect=-0.065,95%BOOTCI[-0.082,-0.048]);The informal social support provided by aging attitude in families also has a significant intermediary effect on the degree of economic planning for the elderly(Effect=0.010,95% BOOTCI [0.005,0.016]);In addition,in the subsequent adjustment effect test,the interaction between the adjustment variable social justice perception and aging attitude has a significant positive impact on the degree of pension economic planning of the elderly(β=0.059,95% BOOTCI[0.039,0.079]).In view of the above results,this thesis puts forward the following suggestions: at the government level,we should promote the establishment of the third pillar of pension as soon as possible,enhance the level of pension security,establish a multi-level assistance model for the poor elderly,and arrange policy assistance reasonably and pertinently in view of the differences in pension resources between urban and rural areas,and improve the construction of community fitness for aging and daily health care,and stabilize the aging attitude of the elderly;In terms of family,we should optimize the pension function of family roles;In terms of individuals themselves,we should cultivate and improve the concept of self pension planning. |
