Abstract: Based on the data of China's pension reserve index survey of 2017, this paper conducts an empirical analysis of employees' purchase intention of tax-deferred commercial pension insurance and the influencing factors by employing the logistic regression model. The results show that more than 40% of employees are willing to purchase tax-deferred commercial pension insurance. Such factors as economic purchasing power, education level and knowledge of insurance can significantly promote the employees' purchase intention. While lacking of pension planning awareness and excessive reliance on social basic endowment insurance and child support would reduce their purchase intention. The increase of real estate is negatively correlated with the demand for purchasing tax-deferred commercial pension insurance. There are also differences in the influencing factors among employees working in companies with different natures.

Key words: tax-deferred commercial pension insurance, purchase intention, logistic model