Study On The Influencing Factors Of Rural Social Pension Insurance Demand

As the aging degree of China’s population is getting deeper and deeper,the function of family pension mode is gradually weakening and the role of social pension is gradually highlighted.Especially in China’s rural area,the aging population accounts for more than 75%of the total number of aging population in China,which is the main source of population aging in China.In addition,due to many factors such as the change of family population structure and the withdrawal of rural land by the state,it is difficult for the rural elderly to get basic security,which leads to the great demand for social support for the elderly in China.However,since the implementation of the rural social endowment insurance system in 1986,the rural population has not been fully covered,and there is still a certain amount of gap from the full coverage.How to further promote China’s rural social endowment insurance work and strengthen the living security of the rural elderly population is an important content of China’s response to population aging and people’s livelihood.Based on social security theory,welfare economics theory and social risk management theory,combined with the existing rural social endowment insurance research literature,this paper analyzes the current situation of farmers’ participation in rural social endowment insurance.Firstly,it makes clear the promotion process of rural social endowment insurance and the basic policies of the current system;secondly,it analyzes the demand of rural social endowment insurance in China,and finds that the demand of farmers for rural social endowment insurance has been in an increasing state,mainly due to the core of rural families and the acceleration of population aging,which makes social pension gradually replace the traditional family In the court pension mode,farmers’dependence on social pension is gradually deepened.In addition,due to the regional differences in the promotion of rural social endowment insurance in China,the regional development is uneven,and the lack of fund management system and legal basis of rural social endowment insurance makes the goal of full coverage of rural social endowment insurance has not been achieved.In this paper,we build a logistic model of rural endowment insurance system,including five factors of rural residents’ awareness of rural pension insurance,including the degree of rural residents’ awareness of rural pension insurance and the level of rural residents’ participation.The results of the model show that:Farmers’ education level,the number of family labor force,health status,family per capita income level,pension mode,understanding of rural social endowment insurance and cognition of government work have significant intention on Farmers’ willingness to participate in rural social endowment insurance.Based on this,this paper puts forward suggestions to promote the demand growth of rural social endowment insurance from the aspects of perfecting the relevant system of rural social endowment insurance,increasing publicity,increasing financial subsidies,and promoting the two child policy,which provides reference for promoting the full coverage of rural social endowment insurance in China.