Title Page
The Lists of Published Articles
Abstract
Contents
Chapter 1. Introduction 15
1.1. Research background and significance 15
1.1.1. Research Background 16
1.1.2. Research Significance 18
1.2. Research status 19
1.2.1. Research on population ageing 21
1.2.2. Research on the old-age security system and model 22
1.2.3. Research on the importance of rural commercial endowment insurance 23
1.2.4. Research on demand and participation of commercial endowment insurance 25
1.2.5. Research on the Countermeasures for the Development of Rural Commercial Endowment Insurance 29
1.3. Review of research status 31
1.4. Research contents and methods 32
1.4.1. Research content 32
1.4.2. Research methods 33
Chapter 2. Studies The Theoretical Basis 35
2.1. Definition of relevant concepts 35
2.1.1. Population aging 35
2.1.2. Social pension security system 35
2.1.3. Commercial endowment insurance 39
2.2. Theoretical basis of research 43
2.2.1. Consumption demand theory 43
2.2.2. Consumption motivation theory 44
2.2.3. Life cycle consumption theory 45
2.2.4. Life insurance demand theory 46
2.2.5. Herding theory 47
2.2.6. Learning theory 48
2.2.7. Cognitive theory 48
Chapter 3. Overview of the Development of Commercial Endowment Insurance in Hebei province and the investigation and analysis of its demand 50
3.1. Basic pension status of urban and rural residents in Hebei province 50
3.1.1. Weakening of the traditional family pension model 50
3.1.2. Degradation of value-added effect of rural land resources 50
3.1.3. Insufficient basic old-age insurance for urban and rural residents 51
3.1.4. Young and middle-aged groups do not have strong awareness of participating in insurance 52
3.2. Analysis of the Development Status of Commercial Endowment Insurance in Hebei province 52
3.2.1. Supply Status of Insurance Products in Hebei province 52
3.2.2. Status Quo of Commercial Endowment Insurance Participation in Hebei province 54
3.3. Significance of Developing Commercial Endowment Insurance for Rural Residents in Hebei province 55
3.3.1. The role of developing commercial endowment insurance for rural residents 55
3.3.2. Feasibility of developing commercial endowment insurance for rural residents 56
3.4. Description of the Survey on the Demand for Commercial Endowment Insurance of Rural Residents 58
3.4.1. Design of questionnaire 58
3.4.2. Descriptive analysis of the questionnaire 60
3.5. Analysis of the Demand for Commercial Endowment Insurance in Hebei province 65
3.5.1. Statistical analysis of demand status 65
3.5.2. Cross-analysis of Commercial Endowment Insurance Demand 70
Chapter 4. The empirical analysis of the influencing factors of Hebei residents' participation in commercial endowment insurance 73
4.1. Proposal of research hypothesis 73
(1) Personal Factors Research Hypothesis 73
(2) Hypothesis of family factor research 74
(3) Cognitive Factor Hypothesis 75
(4) Supply Factor Research Hypothesis 76
(5) External Factors Research Hypothesis 77
4.2. Model construction and variable selection 77
4.2.1. Model construction 77
4.2.2. Variable selection and assignment 78
4.3. Sample reliability and validity analysis 80
4.3.1. Sample reliability 80
4.3.2. Validity analysis 81
4.3.3. Correlation analysis 81
4.4. Model Regression and Interpretation of Results 83
4.4.1. Collinearity diagnosis 83
4.4.2. Model verification 84
4.4.3. Regression results 85
4.4.4. Robustness test 92
4.5. Summary of Empirical Analysis 93
Chapter 5. Research Conclusion 95
5.1. Research conclusions and countermeasures and suggestions 95
5.1.1. Research conclusion 95
5.1.2. Countermeasures and Suggestions for Promoting the Development of Commercial Endowment Insurance in Hebei province 97
5.2. Research contribution 105
5.2.1. Theoretical contributions 105
5.2.2. Practical contribution 106
5.3. Innovations and research deficiencies 106
5.4. Prospects for future research 107
References 108
Appendix 115
초록 118
Table 1. List of Endowment Insurance Promoted by Insurance Companies 53
Table 2. Measurement indicators of research variables 59
Table 3. Descriptive Statistics at Individual Level 61
Table 4. Descriptive statistics at the household level 62
Table 5. Descriptive statistical table at cognitive level 63
Table 6. Descriptive statistics at the supply level 64
Table 7. Descriptive statistics of external factors 64
Table 8. The purchase of commercial pension insurance by respondents 65
Table 9. Reasons for not participating in commercial endowment insurance 66
Table 10. Respondents' perception of the role of commercial pension insurance 67
Table 11. Respondents' concerns about issues in life 68
Table 12. Respondents' acceptance of annual premiums 69
Table 13. Age and willingness to pay commercial pension insurance 70
Table 14. Education level and willingness to pay commercial pension insurance 71
Table 15. Family monthly income level and willingness to pay for commercial pension insurance 72
Table 16. Research Assumptions at Individual Level 74
Table 17. Family level research assumptions 75
Table 18. Research Assumptions on Cognitive Level 76
Table 19. Supply Factor Research Hypothesis 76
Table 20. External Factors Research Hypothesis 77
Table 21. variable definitions 79
Table 22. Reliability Statistics 80
Table 23. KOM and Bartlett Ball Inspection 81
Table 24. Correlation Analysis 83
Table 25. Collinearity analysis 83
Table 26. Hosmer and Lemeshow test 85
Table 27. Comprehensive test of model coefficients 85
Table 28. Model Regression Results 85
Table 29. Binary Probit Regression Results 92
Figure 1. The purchase of commercial pension insurance by respondents 66
Figure 2. Reasons why respondents did not purchase commercial pension insurance 67
Figure 3. Respondents' perception of the role of commercial pension insurance 68
Figure 4. Respondents' concerns about issues in life 69
Figure 5. Respondents' acceptance of annual premiums 70
Figure 6. Research Model 78
Figure 7. Schematic diagram of relevant variable relationship and hypothesis structure of this study 80