经济学院知识库

根据第七次全国人口普查数据，截至2021年末，甘肃省60岁及以上人口占常住人口总数的17.03%，超国际老龄化标准7.03个百分点，65岁及以上人口占常住人口总数的12.58%，超国际老龄化标准5.58个百分点，这表明甘肃省已进入人口老龄化快速发展阶段，社会问题也日渐突出，仅仅依赖于第一支柱基本养老保险和第二支柱企业年金或职业年金是远远不够的，而商业养老保险是一种基于市场化运营的产品，与基本养老保险的运营主体不同，在一定程度上能有效的弥补基本养老保险功能不足和减轻政府主体负担。面对人口快速老龄化，人民群众养老需求日益多样化，商业养老保险大有可为，因此甘肃需要深化商业养老保险发展，不断优化养老保障模式，增强养老保障体系可持续性来解决日趋严重的养老问题。
本文基于目前我国严重的人口老龄化问题的大背景，聚焦甘肃省日趋严峻的人口老龄化现状及其所产生的社会问题，结合甘肃省商业养老保险发展现状，分析出目前甘肃商业养老保险发展所面临的问题，再通过定性与定量相结合的方法构建多元线性回归模型，分析了影响甘肃省商业养老保险发展的因素，根据实证分析结果，借鉴国内外相关经验，分别从政府、保险公司、公众三个角度针对性地为深化甘肃省商业养老保险发展提供实用有效的建议。

According to the data of the seventh National population Census, by the end of 2021, the population aged 60 and above in Gansu Province accounted for 17.03% of the total permanent population, 7.03 percentage points higher than the international aging standard, and the population aged 65 and above accounted for 12.58% of the total permanent population, 5.58 percentage points higher than the international aging standard. This indicates that Gansu Province has entered a stage of rapid population aging development, and social problems have become increasingly prominent. It is far from enough to rely only on the first pillar basic pension insurance and the second pillar enterprise annuity or occupational annuity. However, commercial pension insurance is a product based on market operation, which is different from the operation subject of basic pension insurance. To a certain extent, it can effectively make up for the insufficiency of the basic endowment insurance function and reduce the burden of the government. In the face of rapid aging of the population, people's needs for pension are increasingly diversified, and commercial pension insurance has great potential. Therefore, Gansu needs to deepen the development of commercial pension insurance, continuously optimize the pension security model, and enhance the sustainability of the pension security system to solve the increasingly serious pension problems.

Based on the background of the serious population aging problem in China, this paper focuses on the increasingly severe population aging situation in Gansu Province and the resulting social problems. Combined with the development status of commercial pension insurance in Gansu Province, this paper analyzes the current problems faced by the development of commercial pension insurance in Gansu Province, and then constructs a multiple linear regression model by combining qualitative and quantitative methods, analyzing the factors affecting the development of commercial pension insurance in Gansu province.