基于ISM模型的我国补充养老保险参与意愿的影响因素分析
Analysis of the Influencing Factors of China’s Willingness to Participate in Supplementary Pension Insurance Based on the ISM Model

文章探析了影响补充养老保险参与意愿的因素之间的内在逻辑关系，运用解释结构模型(ISM)对各因素之间的层次性与作用机理进行了综合分析。在影响用户补充养老保险参与意愿的因素中，性别、受教育程度、婚姻状况、子女数量、代际经济支持程度、家庭人均年收入、对基本养老保险保障程度的看法、预期养老方式、对养儿防老的看法、基本养老保险满意度、补充养老保险了解程度为表层影响因素，家人健康状况为中层影响因素，年龄为深层次因素，其影响程度较深。在此基础上，提出了相关建议，即增强养老风险意识、加大补充养老保险的宣传力度、提高补充养老保险的补充力度、丰富补充养老保险产品供给等。
This article explores the internal logical relationship between factors that affect the willingness to participate in supplementary pension insurance, and uses the Interpretive Structural Model (ISM) to comprehensively analyze the hierarchy and mechanism of action among each factor. Among the factors that affect the willingness of users to participate in supplementary pension insurance, gender, education level, marital status, number of children, intergenerational economic support, per capita annual income of the family, views on the level of basic pension insurance protection, expected elderly care methods, attitudes towards child rearing and elderly prevention, satisfaction with basic pension insurance, and understanding of supplementary pension insurance are surface level influencing factors, while family health status is middle level influencing factors, and age is a deep-seated factor that has a deeper impact. On this basis, relevant suggestions are proposed, including enhancing awareness of pension risks, increasing publicity efforts for supplementary pension insurance, improving the supplement of supplementary pension insurance, and enriching the supply of supplementary pension insurance products.