Delivery path

coefficient

Urban youth

rural youth

BMI index

Investment propensity

0.984

0.781

Rate of return

0.097

0.118

Contribution rate

17.833%

19.043%

Occupation grade

Investment propensity

0.859

0.602

Rate of return

0.125

0.237

Contribution rate

20.112%

29.299%

Years of Education

Investment propensity

1.181

0.993

Rate of return

0.115

0.077

Contribution rate

25.269%

15.789%

Unobservable variable

Investment propensity

0.840

0.760

Rate of return

0.234

0.229

Contribution rate

36.795%

35.870%