2021中國(guó)居民退休準(zhǔn)備指數(shù)調(diào)研報(bào)告-清華大學(xué)&同方人壽-2021-60頁(yè)

1、 1 · 摘 要2 · 項(xiàng)目背景及概況4 · 中國(guó)居民的退休準(zhǔn)備3 · 中國(guó)居民的退休生活愿景和預(yù)期1.1 退休愿景與預(yù)期：延續(xù)樂(lè)觀預(yù)期，信心穩(wěn)中有進(jìn) ····················

2、;································021.2 退休準(zhǔn)備：中國(guó)居民退休準(zhǔn)備指數(shù)繼續(xù)上升

3、 ····································&

4、#183;···················031.3 退休規(guī)劃：養(yǎng)老保障“三支柱”體系仍需完善 ···········

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6、183;·····031.4 專題研究結(jié)論 ····························&

7、#183;····································

8、;···············042.1 項(xiàng)目背景 ···················

9、····································

10、3;····························062.1.1 人口老齡化程度加劇 ····

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12、183;······························062.1.2 人口出生率下降，老年撫養(yǎng)比攀升 ·&#

13、183;····································

14、·······················072.1.3 現(xiàn)行三支柱養(yǎng)老金體系存在不足與失衡 ········

15、3;····································&#

16、183;···········082.2 項(xiàng)目概況 ······················

17、83;····································&

18、#183;························092.2.1 項(xiàng)目的提出 ·········

19、;····································

20、83;·································092.2.2 調(diào)查對(duì)象、內(nèi)容及目標(biāo)

21、 ····································

22、··································102.2.3 問(wèn)卷設(shè)計(jì)

23、 ····································

24、83;····································&

25、#183;·······112.2.4 調(diào)研過(guò)程 ··························

26、····································

27、3;··················114.1 居民退休準(zhǔn)備指數(shù)測(cè)算 ···············

28、;····································

29、83;·····················444.1.1 2021 年中國(guó)居民退休準(zhǔn)備指數(shù)繼續(xù)上升 ·········

30、3;····································&#

31、183;·········444.1.2 中國(guó)居民退休準(zhǔn)備指數(shù)全球排名上升 ······················&

32、#183;····································

33、;484.1.3 國(guó)內(nèi)不同地區(qū)退休準(zhǔn)備指數(shù)的比較 ································

34、;·····························503.1 退休生活愿景 ····

35、3;····································&#

36、183;····································

37、··203.1.1 總體情況 ································

38、;····································

39、83;············203.1.2 客觀因素對(duì)退休生活愿景的影響 ···················

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41、183;·····213.1.3 主觀因素對(duì)退休生活愿景的影響 ··························

42、83;···································233.2

43、退休年齡預(yù)期 ···································

44、····································

45、3;········263.2.1 總體情況 ·························

46、83;····································&

47、#183;··················263.2.2 財(cái)務(wù)狀況與退休預(yù)期：高收入人群延遲退休意愿更加強(qiáng)烈 ···········

48、83;······························273.2.3 工作認(rèn)同與退休預(yù)期：更強(qiáng)的工作認(rèn)同會(huì)激勵(lì)居民延遲退休

49、 ····································&#

50、183;····273.2.4 家庭責(zé)任與退休預(yù)期：照看責(zé)任激勵(lì)提前退休，而婚姻關(guān)系鼓勵(lì)延遲退休 ························

51、83;····293.3 退休過(guò)渡方式 ·····························&#

52、183;····································

53、··············303.3.1 未退休者對(duì)退休過(guò)渡方式的設(shè)想 ··················&

54、#183;····································

55、;········303.3.2 已退休者對(duì)退休過(guò)渡方式的回顧 ························

56、····································

57、3;·313.3.3 中國(guó)居民提前或延遲退休的原因 ·······························

58、;·······························32 3.4 退休生活信心 ··

59、83;····································&

60、#183;····································

61、;····343.4.1 總體情況：整體信心程度強(qiáng)，已退休者信心稍遜 ···························

62、;······················343.4.2 年齡與信心程度：退休信心隨年齡遞增，但在 70 歲后發(fā)生驟降 ·······&#

63、183;·····························353.4.3 工作與信心程度：高級(jí)別、高收入工作者退休信心水平更高

64、83;····································&

65、#183;··36 3.4.4 對(duì)后代的退休生活信心：對(duì)后代退休信心相對(duì)保守 ····························

66、;····················38 3.5 退休生活壓力 ·············

67、83;····································&

68、#183;·····························393.5.1 退休壓力來(lái)源：壓力來(lái)源多樣化，身體健康狀況是首要擔(dān)憂 &#

69、183;····································

70、···393.5.2 退休財(cái)務(wù)壓力：退休后財(cái)務(wù)壓力普遍存在，但強(qiáng)度較低 ···························

71、83;················393.6 退休與健康 ·················

72、83;····································&

73、#183;···························403.6.1 退休后健康困擾：普遍對(duì)退休后身體健康狀況表示擔(dān)憂 ··

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75、183;····403.6.2 退休后健康習(xí)慣養(yǎng)成：缺乏專業(yè)指導(dǎo)，工作壓力為主要阻力 ·························

76、83;··············413.6.3 對(duì)雇主健康支持的期待：期待健康配套設(shè)施和鍛煉機(jī)會(huì) ················

77、····························425 · 中國(guó)居民的退休規(guī)劃6 · 專題研究7 · 建 議8·

78、 附 錄4.2 高準(zhǔn)備指數(shù)人群畫(huà)像 ·································

79、····································

80、3;·····504.2.1 個(gè)人特征：性別差異基本消除，準(zhǔn)備指數(shù)隨年齡增長(zhǎng) ·························&#

81、183;····················514.2.2 家庭特征：已婚的穩(wěn)定家庭指數(shù)更高 ···········&

82、#183;····································

83、;···········514.2.3 地域特征：西部欠發(fā)達(dá)地區(qū)指數(shù)更高 ····················

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85、183;·524.2.4 工作特征：高層級(jí)工作、收入滿足基本生活的居民指數(shù)更高 ····························

86、83;···········534.2.5 教育特征：接受過(guò)高等教育的居民指數(shù)更高 ····················

87、;·································554.2.6 健康特征：高指數(shù)居民的健

88、康習(xí)慣良好，醫(yī)療儲(chǔ)蓄重視度高 ·································

89、3;······565.1 養(yǎng)老保障“三支柱”體系 ··························

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91、183;·······585.1.1 第一支柱：基本養(yǎng)老保險(xiǎn) ·························

92、····································

93、3;······585.1.2 第二支柱：企業(yè)年金與職業(yè)年金 ··························

94、;····································595

95、.1.3 第三支柱：個(gè)人養(yǎng)老金 ·································&#

96、183;····································

97、605.1.4 我國(guó)三支柱體系發(fā)展現(xiàn)狀 ································

98、3;···································615.2 政

99、府責(zé)任 ···································

100、83;····································&

101、#183;···········625.3 企業(yè)責(zé)任 ······················&#

102、183;····································

103、·························635.4 個(gè)人責(zé)任 ·········&

104、#183;····································

105、;····································

106、83;·675.4.1 退休收入預(yù)期 ································

107、····································

108、3;········675.4.2 退休收入來(lái)源 ·························&

109、#183;····································

110、;···············696.1 中國(guó)居民的金融素養(yǎng) ··················&

111、#183;····································

112、;····················746.1.1 中國(guó)居民金融素養(yǎng)客觀上存在不足 ············

113、;····································

114、83;············746.1.2 金融素養(yǎng)自我認(rèn)知不足，存在過(guò)度自信現(xiàn)象 ···················

115、;··································796.1.3 金融素養(yǎng)對(duì)退

116、休準(zhǔn)備的影響 ···································

117、·······························826.2 中國(guó)居民的退休責(zé)任意識(shí) ··&

118、#183; ···································

119、3;·································846.2.1 退休健康責(zé)任 &

120、#183;····································

121、;····································

122、83;···846.2.2 個(gè)人財(cái)務(wù)責(zé)任 ······························

123、····································

124、3;··········866.3 中國(guó)居民對(duì)延遲退休的態(tài)度 ······················

125、83;····································&

126、#183;·········916.4 對(duì)青年群體的特別分析 ·······················&#

127、183;····································

128、············916.4.1 青年群體的退休生活預(yù)期 ····················

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130、183;··········966.4.2 青年群體的金融素養(yǎng)和退休準(zhǔn)備情況 ·····················&

131、#183;····································

132、;·966.4.3 生育政策調(diào)整可能對(duì)青年群體產(chǎn)生的影響 ··············`````````···············

133、;················986.4.4 針對(duì)青年群體的建議 ·················

134、;····································

135、83;··················996.5 新冠疫情對(duì)中國(guó)居民退休準(zhǔn)備帶來(lái)的影響 ·············&#

136、183;····································

137、········1006.5.1 新冠疫情對(duì)居民生活的影響 ························&#

138、183;····································

139、····1016.5.2 新冠疫情對(duì)退休生活預(yù)期的影響 ····························

140、·································1046.5.3 新冠疫情對(duì)退休儲(chǔ)蓄的影響

141、 ····································

142、·····························1056.5.4 后疫情時(shí)代對(duì)退休準(zhǔn)備的相關(guān)建議 ···

143、;····································

144、83;···················1067.1 政府可發(fā)揮的作用 ··············

145、;····································

146、83;·························1087.2 企業(yè)應(yīng)做出的改善 ········

147、;····································

148、83;·······························1087.3 個(gè)人應(yīng)做出的努力 ··

149、;····································

150、83;····································&

151、#183;1087.4 保險(xiǎn)可作為的領(lǐng)域 ································

152、83;····································&

153、#183;······1098.1 居民退休準(zhǔn)備指數(shù)計(jì)算方法 ··························

154、;····································