CAJ | 학술논문

针对城乡居民社会养老保险制度试点中存在参保居民缴费水平低的问题，基于陕西省宝鸡市、西安市和铜川市的调查数据，采用多元回归法和和方差分析法，分析了城乡居民社会养老保险缴费水平的影响因素；研究结果表明：在城乡居民个人因素中的户籍、性别、年龄、婚姻状况、收入对缴费水平具有显著性的影响；在认知因素中，养老金待遇水平、政策宣传情况、政策满意度对缴费水平具有显著性的影响；提出了提高城乡居民收入水平、建立建立养老金待遇调整机制等建议。
침대성향거민사회양로보험제도시점중존재삼보거민격비수평저적문제，기우합서성보계시、서안시화동천시적조사수거，채용다원회귀법화화방차분석법，분석료성향거민사회양로보험격비수평적영향인소；연구결과표명：재성향거민개인인소중적호적、성별、년령、혼인상황、수입대격비수평구유현저성적영향；재인지인소중，양로금대우수평、정책선전정황、정책만의도대격비수평구유현저성적영향；제출료제고성향거민수입수평、건립건립양로금대우조정궤제등건의。
Aiming at the problem of the low level of payments of the expense of participating rural and urban, residents in the pilot project of the social insurance system and based on the survey data collected from the cities of Baoji, Xi＇an and Tongchuan of Shaanxi Province, we have employed the multi - variable regression method and variance analysis to address the factors that influence the problem in question. The research results show that, in the individual factors of ur- ban and rural residents, the census register, sex, age, marital status and household income have significant influence on the payment level of the insurance expenses. Among those cognitive factors, the endowment benefits, government pub- licity and degree of satisfaction toward the policies have significant influence on level of the payment of insurance ex- pense. Suggestions are made concerning raising the income of urban and rural residents, and the establishment of the adjustment mechanism of endowment benefits, etc.