中文摘要：

筹资原则在很大程度上影响城乡居民基本养老保险制度的参保率。基于对武陵山片区城乡居民进行的问卷调查,运用SPSS16对问卷数据进行筹资原则与相关变量的交互分析,发现筹资原则与居民是否参保有一定的影响,但强制性原则并不必然引起居民的反感。通过建立多元回归模型对问卷数据进行计量分析。结果显示:对养老交费放心与否、五年内是否选择参保、文化程度、对城乡居保制度的了解程度等因素,对筹资原则有显著影响。为提高制度的参保率和覆盖面,城乡居保制度应变"自愿"原则为"强制"原则,同时丰富和完善多种政策宣传手段,提高居民对城乡居保制度的认知度。

英文摘要：

The financing principle affects the basic old-age insurance system of urban and rural residents to a large extent. Based on a questionnaire survey of urban and rural residents in Wuling mountain area, using spss16 to questionnaire data for financing principle and relevant variables interaction analysis, financing principles and residents whether the insured has a certain influence, but the principle of mandatory does not necessarily lead to the residents resent the discovery. By setting up a multiple regression model, the questionnaire data were measured and analyzed. The results showed that the pension payment assured, five years in whether to choose insurance, education, living for the urban and rural security system of degree of understanding and other factors, the principles of financing has significant effect. In this regard, in order to improve the system's enrolment rate and coverage, urban and rural residents insurance system strain "voluntary" principle as "mandatory" principle, but also enrich and perfect various means of policy advocacy, improve awareness of residents of urban and rural home security system.