Research on the Impact of Individual Characteristics and Family Endowment on Residents'Purchase of Commercial Pension Insurance:Based on CGSS2021 Data Analysis
The article uses CGSS2021 data to construct a binary logit data model to analyze the impact of individual characteristics and family endowment on residents'purchase of commercial pension insurance.The study found that both individual characteristics and family endowment have a significant impact on res-idents'purchase of commercial pension insurance,and the higher the cultural level and health status of in-dividual characteristics,the higher the purchase rate of residents;In terms of family endowment,the high-er the annual income of the family and the more frequent social interaction,the stronger the purchasing rate of commercial pension insurance for residents.Therefore,in the future development process of com-mercial pension insurance,measures such as increasing publicity,increasing influence,increasing tax in-centives,reducing personal income tax,expanding the variety of commercial pension insurance products,and meeting the diverse needs of residents can be taken to increase the participation rate of residents in commercial pension insurance.
individual characteristicsfamily endowmentcommercial pension insurancebinary logit model
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