Research on the impact of residents' pension insurance choices based on their cognition of pension responsibility
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View abstract on PubMed
Summary
This summary is machine-generated.Understanding pension responsibility is key to sustainable retirement planning. Beliefs about who is responsible for pensions significantly impact participation in China's multi-pillar pension insurance system.
Area Of Science
- Social Gerontology
- Public Policy
- Behavioral Economics
Background
- Global population aging presents significant challenges to pension system sustainability.
- Pension insurance sustainability is a critical and pressing global issue.
Purpose Of The Study
- Examine Chinese residents' perceptions of pension responsibility.
- Analyze the impact of these perceptions on pension insurance participation within a multi-pillar system.
Main Methods
- Utilized data from the 2021 Chinese General Social Survey.
- Employed binary and disordered multiclassified logistic regression analyses.
- Investigated the relationship between cognition of pension responsibility and pension insurance participation.
Main Results
- Economic and sociodemographic factors differentially influence basic versus commercial pension insurance choices.
- "Offspring responsibility" negatively impacts participation in both basic and commercial pension insurance.
- Belief in "three-party responsibility" increases participation in basic pension insurance compared to "offspring" or "self-responsibility" beliefs.
- Regional differences and information access moderate the relationship between perceived pension responsibility and participation.
Conclusions
- System optimization, public awareness, and education are crucial for modernizing pension concepts.
- Promote coordinated development of basic and commercial pension insurance.
- Build a comprehensive and sustainable multi-level pension security system.
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