不同人群对养老模式选择的经济分析

社会结构的变迁使传统的家庭养老失去支持系统，多元化的养老模式是社会发展的必然结果。文章探讨了不同人群对养老模式选择，并建立三元选择模型分析不同特征的影响。研究结果显示女性、受教育程度低和家庭子女数较多的人偏向于家庭养老，男性、收入较高的人较倾向于独立养老，而受教育程度较高年轻一代和低收入的人群对集体社区养老模式的接受程度较高。未来的养老趋势为经济上对后代依赖的减弱，生活照顾和精神慰藉的依赖仍很强。

The Economic Analysis on the Option of the Pattern of Providing for the Aged Among Different Populations

The change of the social structure lead to the lose of supporting system of providing for the aged of traditional family, pluralism patterns of providing for the aged is the inevitable outcome of social development. In the paper, the option of the pattern of pro- viding for the aged among different populations is discussed, and the effect of different characteristics is analyzed based on ternary selec- tion model.The results show that some people lean to family elder security, which includes woman and people with lower education level and more children, a part of people lean to the independent elderly support, which contains man and people with higher income, mean- time, the younger generation with higher education level and people with lower income could better accept collective community elder security.The future pattern of providing for the aged has stronger effects on people from some aspects, as economic support, spiritual comfort, and care for the elderly＇s life.