中文摘要：

以往的研究认为个人、家庭以及经济因素是影响养老方式选择的主要因素，本项研究加入了退休预期因素，通过中国10省市的调研，运用无序多分类Logistic回归模型，对影响劳动者养老方式选择意愿的主要因素进行了实证检验。结果验证了年龄、家庭人口、工作收入影响显著的以往结论，但研究新发现：选择延迟退休的群体更倾向于以社区养老作为老年生活的方式，企业职工相比行政事业单位的劳动者更偏好选择社区养老。因此，延迟退休政策的推出时机要考虑养老服务体系的建设情况，同时加快建立和完善以生活照料、护理为基础的，包括家政服务、文化娱乐、法律咨询、教育等功能在内的社区养老综合服务体系，逐步建立起“社区型机构养老服务体系”。

英文摘要：

Previous studies have suggested that individuals, families and economic factors are the main factors affecting modes of endowment and, this study adds the expected factors of retirement, based on the survey of 10 provinces and cities in China. By using multiple logistic regression models of disorder to test the main fac- tors that affect employee willingness of the modes of endowment by the empirical test, this paper validates the previous conclusions that age, family population and work income have significant influence, and also comes up with the new findings：the selection of delay retirement groups is more inclined to the community care as a way of life for the elderly. Compared with the employees of the administrative units the employees of the enter- prises prefer to choose the community care. Therefore, the timing of the introduction of delay retirement policy to consider the construction of pension service system. At the same time, it is important to speed up the estab- lishment and improvement based on the living care and nursing, a comprehensive service system including home service, culture entertainment, legal consultation, education and other functions and gradually establish a ＂communitybased institutions endowment service system.