城市中年人养老规划状况及其影响因素

随着我国城市老龄化状况的加剧,家庭养老负担越来越重,城市中年人的养老规划尤为重要,研究发现,中年人是否有养老规划是个体特征、家庭情况、养老需要等多种因素综合作用的结果。目前城市中年人有养老规划的比例较低,具有养老规划的中年人在养老方式选择上思想还比较传统,多选择家庭养老,对社区养老缺乏信任。多数人存钱但不去理财,对未来风险防范意识较差,健康意识薄弱,休闲技能少且内容传统。政府应加强中年人的养老规划宣传,增加养老规划服务,完善社区养老服务。

Pension Plan for the Urban Middle Age and Its Influencing Factors

With the intensifying condition of urban aging in our country, burden of providing for the aged is becoming heavier and heavier. It is important for the middle age to make a pension plan. It is found that the pension plan of middle age is determined by personal features, family conditions, pen-sion needs, etc. At present, few middle age in urban areas have pension plans. Those who have the plan tend to choose the traditional ways such as family supporting. They do not have sufficient trust for community support. Most people save money but do not have financial management. They are lack of risk prevention and health awareness. They have few but traditional recreations. Governments should promote the publicity of pension plan for the middle age, and improve the pension plan service, and improve the community support for it.