Study On Influencing Factors Of Investment Behavior Of Pension Financial Products Of Urban Residents In Wuhan

With the development of the times,the problem of population aging has become a livelihood problem that all countries in the world must face,especially in the western developed countries.Although China is a developing country,it has officially entered the era of population aging since the 1990 s,which is closely related to the development of industrialization and urbanization.After China officially entered the society of population aging,it has had a lot of impact on all fields of economic development.According to the data survey,Wuhan is the city with the largest population aging base in Hubei Province.By the end of December 2018,the total number of people over the age of 65 in Wuhan had reached 1242500,accounting for 14.6% of the total population of Wuhan.Generally,the population aging accounted for more than 14%,indicating that the country or region has entered a state of deep aging,which has an impact on the economic and social development of Wuhan to varying degrees.It can be predicted that the population aging problem in Wuhan will continue to appear in the next 10 years,which has also spawned the rapid development of pension financial services from another level.The theories used in this study mainly include generation alternation theory,human depreciation theory and life cycle theory.Different dimensions of research and analysis are carried out through comparative research method,investigation research method and binary logistic regression analysis method.Firstly,according to the development and shortcomings of the personal pension financial system in Wuhan,this paper makes a multi-dimensional analysis and interpretation,establishes the corresponding model for the needs of research,designs the questionnaire content on this basis,and defines the survey organization and survey design.Through the survey,it is found that in the implementation of the pension financial system for urban residents in Wuhan,most people only trust the government pension insurance and traditional bank savings,the development of pension financial products in the overall financial industry lags behind,the internal development of the pension financial system is unbalanced and the supply of pension financial professionals is insufficient.Carry out in-depth research and Analysis on the survey results,carry out different dimensions of research on relevant data with the help of logistic model regression analysis,and carry out multi-level and multi-dimensional empirical analysis around various factors affecting the elderly care financial behavior of residents in Wuhan.Finally,according to the analysis results,put forward optimization strategies and suggestions for the development of elderly care financial behavior of residents in Wuhan,continue to change the concept of elderly care and continuously develop elderly care financial products Strengthen the top-level design of pension financial development and cultivate sufficient pension financial professionals.