宝鸡市新型农村社会养老保险可持续发展实证分析

发布时间：2018-01-26 18:23

本文关键词： 新型农村社会养老保险宝鸡模式可持续发展衡量指标　出处：《西北大学》2013年硕士论文　论文类型：学位论文

【摘要】：长期以来,我国农村社会养老保险一直处于曲折发展或停滞状态,大部分农村人口游离于社会保障网之外。随着社会飞速发展,传统的家庭养老、土地养老功能逐渐减弱,使得这些游离于社会保障网之外的农村人口将不得不面临严峻的养老问题,由此产生的社会矛盾日益凸显。我国农村人口的比例高达50.32%,如果不妥善解决好农村人口的养老问题,就会严重影响社会稳定、阻碍经济发展。在这样的情形下,新型农村社会养老保险(以下简称新农保)制度肩负着农村人口养老的重大历史使命在我国普遍展开试点,作为一项新生的养老制度,新农保的可持续发展将能够解决农村人口的养老需求,加快农村经济发展,促进农村乃至整个社会的稳定与和谐。因此,研究新农保的可持续发展有着重大的现实意义。由于新农保的“宝鸡模式”作为试点在全国广泛推广,因此,以宝鸡为例研究新农保的可持续发展具有普遍意义。本文在对我国新农保各种模式的总结比较中突出了新农保“宝鸡模式”的重要地位,并以宝鸡市新农保可持续发展作为研究对象制定研究方案。在总结学者对社会养老保险可持续发展衡量指标设定的基础上,根据新农保自身特征,建立了新农保可持续发展的衡量指标,包括定性指标和定量指标两个方面。然后依据衡量指标对宝鸡市新农保可持续发展进行实证分析,进而通过实证分析总结出宝鸡市新农保可持续发展的制约因素：1、制度设计层面：主要包括缺乏保险特性而制约其发展、保障水平低、与其他养老保险制度衔接困难；2、制度运行层面：主要包括缺乏监督机制、管理效率较低、基金增值保值困难；3、经济基础层面：主要包括政府补贴各级财政分担机制不合理、集体经济补贴有名无实、个人缴费能力偏低；4、社会因素层面：包括社会保险意识落后、劳动力流动导致年轻人参保意愿低。最后本文针对总结出的制约因素提出了相应的对策建议。首先,制度设计层面,应进一步完善新农保制度,增加个人账户积累,加大政府财政补贴,完善新农保与其他养老保障之间转移衔接制度；其次,制度运行层面,应完善监督体制,提高管理效率,确保基金保值增值；再次,经济基础层面,建立合理的财政分担机制,积极促进集体经济发展,增加农民个人收入；最后,社会因素层面,应不断加强社会保险意识,提高年轻农民的参保意愿。
[Abstract]:For a long time, China's rural social endowment insurance has been in a tortuous state of development or stagnation, most of the rural population outside the social security network. With the rapid development of society, the traditional family pension. The function of land pension is weakening gradually, which makes the rural population who are free from the social security network have to face the severe pension problem. The resulting social contradictions are becoming increasingly prominent. The proportion of rural population in our country is as high as 50.32. If we do not properly solve the pension problem of rural population, it will seriously affect social stability. In this case, the new rural social old-age insurance (hereinafter referred to as the New Rural Insurance) system is shouldering the important historical mission of rural population pension in China. As a new pension system, the sustainable development of the new rural insurance will be able to solve the needs of the rural population, accelerate the rural economic development, and promote the stability and harmony of the rural and even the whole society. It is of great practical significance to study the sustainable development of new rural insurance. As a result of the new rural insurance "Baoji model" as a pilot widely spread in the country, so. Taking Baoji as an example, it is of universal significance to study the sustainable development of new rural insurance. This paper highlights the important position of the new rural insurance "Baoji model" in the summary and comparison of various modes of new rural insurance in China. And taking the sustainable development of new rural insurance in Baoji as the research object to formulate the research program. On the basis of summing up the scholars' setting of sustainable development indicators of social endowment insurance, according to the characteristics of the new rural insurance. The sustainable development of new rural insurance indicators, including qualitative indicators and quantitative indicators, and then based on the indicators of Baoji new sustainable development of rural insurance empirical analysis. Then through the empirical analysis summed up Baoji new rural insurance sustainable development constraints factor: 1, system design level: mainly including the lack of insurance characteristics to restrict its development, low level of security. It is difficult to link up with other old-age insurance systems; 2, system operation level: mainly include lack of supervision mechanism, low management efficiency and difficulty in maintaining the value of the fund; 3, the economic foundation level: mainly includes the government subsidy each level financial sharing mechanism is unreasonable, the collective economy subsidy is nominal, the individual contribution ability is on the low side; 4, social factors: including the backward awareness of social insurance, labor mobility leads to low willingness of young people to participate in insurance. Finally, this paper puts forward the corresponding countermeasures and suggestions in view of the summarized constraints. First of all. At the level of system design, we should further improve the new rural insurance system, increase the accumulation of individual accounts, increase government financial subsidies, and improve the transfer link system between the new rural insurance and other old-age security; Secondly, at the operational level of the system, we should perfect the supervision system, improve the efficiency of management, and ensure the maintenance and increase of the value of the fund. Thirdly, on the level of economic base, we should establish reasonable financial sharing mechanism, actively promote the development of collective economy and increase the individual income of farmers. Finally, social factor level, should strengthen the social insurance consciousness unceasingly, enhances the young farmer to participate in the insurance will.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;F323.89

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