北京市商业养老保险发展潜力评价研究金融学专业论文.docxVIP

首都经济贸易大学硕士学位论文论文题目：‘北京市商业养老保险发展潜力评价研究Abstract 首都经济贸易大学硕士学位论文论文题目：‘北京市商业养老保险发展潜力评价研究 Abstract Commercial endowment insurance as a supplementary instrument of the social insurance，plays all important role for the retiree．W曲me growing aging population， the core family gradually become the mainstream of the society，more and more single children families have been appeared，the problem of supporting old people is becoming more attractive．Although，the social endowment insurance system is more perfect than before in Our country，and is gradually universal，the level of social endowment insurance is low,can only guarantee the basic life after retirement．Social endowment insurance funds realize the basic balance，but realonal unbalanced is developing，pension funds problem attracts more and more attention，whether Call receive the retirement pension funds has become the focus of people．The commercial endowment insurance as the”third pillar”on the one hand can guarantee the later life on the other hand Call realize the function of compulsory savings．Thus the commercial endowment insurance is particularly important．As a student of insurance，I just stand in the insurer’S position to research the development potential，thus give some methods to improve the commercial endowment insurance． Considering the availability of data,this article selects the Beijing as the research object． I mainly use the factor analysis and cluster analysis of multivariate statistics method to research the 1 6 city commercial endowment insurance development potential．Through the analysis of the influencing factors of commercial endowment insurance，I select 1 2 main factors as evaluation index．Firstly，I test the 12 statistic factors，check whether they are suitable for factor analysis，and the inspection method is to use KMO statistic and Bartlett sphere test，the test shows that the 1 2 factors are suitable for factor analysis．Then according to the cumulative variance contribution rate and characteristic root ex