logit模型老龄人群金融服务需求及影响因素研究
毕业论文关键词：人口老龄化；老年需求；金融服务；宝应县
An Research on the Demand of Financial Services among the Aging Population in Baoying
Abstract:Population aging century is a prominent social phenomenon in the twenty-first. As a country with large population, combined with the implementation of our family planning, population aging is more and more serious in China. With the continuous development of population aging, the financial markets of aging population grow bigger, and the demand for researches on financial services for the elderly group is also increasingly urgent. This paper takes the four towns of Anyi, Guangyanghu, Xiaogangzhuang and Lubao in Baoying County as an example to investigate the demand of financial services of the aged population, then use logit model to quantitatively analyze the impact of different factors on demand for the financial services of the elderly population with micro data,finding the demand is surely existent and the factors mainly include the age of the aged population, the financial assets, the average annual income, the understanding of the basic knowledge and relevant information about the financial and the relationship between the family and the society.Finally, on the basis of the research conclusion, the paper puts forward some policy suggestions and ideas to further meet the needs of the elderly financial services.
Key words：population aging; elderly needs; financial services; Baoying county
目录
摘要1
关键词1
Abstract1
Key words1
一、引言1
二、文献综述2
（一）我国人口老龄化现状2
（二）我国老龄人群金融服务需求分析2
（三）我国满足老龄人群金融服务需求的有效途径3
三、宝应县老龄人群金融服务需求现状分析4
（一）宝应县人口老龄化现状4
1．老龄人口增长速度快 4
2．老年负担系数变大 4
（二）金融服务和产品介绍5
（三）宝应县老龄人群金融服务需求情况问卷分析5
四、宝应县老龄人群金融服务需求实证分析6
（一）数据来源6
（二）变量定义及描述统计6
1．因变量 7
2．自变量 7
（三）模型假设8
（四）宝应县老龄人群金融服务需求影响因素的Logit回归分析9
五、结论与政策建议10
致谢10
参考文献11
附录 关于“宝应县老龄人群金融消费习惯和金融服务需求”的问卷调查12
老龄人群金融服务需求及影响因素研究——以宝应县为例一、引言
根据2000年第五次全国人口普查结果，我国65岁及以上的人口有八千八百多万人，占总人口的6.96%，而按照联合国新的标准，一个地区65岁以上的人口比率超过总人口的7% ，就可以被称为“老龄化社会”，可以看出这个时候的中国已经正式进入老龄化社会。2010年的第优尔次全国人口普查结果显示，我国60岁及以上人口将近一亿八千万人，占总人口的13.26%，其中65岁及以上人口近一亿两千万人，占8.87%。与2000年相比，60岁及以上的人的比例上升了2.93个百分点，而年龄在65岁以上的人的比例上升了1.91个百分点。