山西省城镇人均养老保险结构水平与影响因素分析

发布时间：2018-02-25 23:16

本文关键词： 城镇人均养老保险结构水平影响因素政策建议　出处：《山西财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：社会养老保险的首要目标是保障老年人口因退休而引起的收入减灭的风险，其本质是通过收入再分配来保障退休人口的收入。这种强制性的收入再分配制度，不仅会平滑制度受益人一生所得与消费之间的冲突，同时也使得代际之间通过收入的重新分配而实现社会成员之间的互助共济。人均养老金水平作为养老保险制度保障水平的参考指标之一，其水平高低不仅关系到在职人口退休后生活水平的标准，，同时决定了养老保险制度功能发挥的大小。而养老保险结构水平则着重衡量了社会保障体系内各分项目资源配比的情况。本文在对山西省城镇职工养老保险制度发展回顾的基础上，通过构建城镇人均养老保险适度结构水平的测度模型，测算山西省城镇人均养老保险适度结构水平，并与实际人均养老保险结构水平相比较得出结论，在此基础上，结合影响养老金水平因素指标，通过构建人均养老金水平影响因素回归模型，筛选得出影响人均养老金水平的优选模型，以优选模型选定的变量指标作为影响基本养老金水平的主要参考因素，为山西省调整基本养老金水平提供决策参考依据。
[Abstract]:The primary goal of social old-age insurance is to protect the risk of income reduction caused by the retirement of the elderly population. Its essence is to protect the income of the retired population through income redistribution. Not only will it smooth out the conflict between the lifetime income and consumption of the beneficiaries of the system, At the same time, it also enables intergenerational income redistribution to realize mutual aid among members of society. The per capita pension level is regarded as one of the reference indicators of the level of pension insurance system security. Their level is not only related to the standard of living of the working population after retirement, At the same time, it determines the function of the endowment insurance system, and the level of the pension insurance structure mainly measures the resource matching of the various sub-items in the social security system. Based on the review of the development of urban workers' pension insurance system in Shanxi Province, this paper calculates the appropriate structure level of urban per capita old-age insurance in Shanxi Province by constructing a measurement model of the appropriate structural level of urban per capita old-age insurance. And compared with the actual per capita pension insurance structure level, on this basis, combined with the factors affecting the pension level indicators, through the establishment of per capita pension level influencing factors regression model, The optimal selection model which affects the per capita pension level is obtained, and the variables selected by the optimal selection model are taken as the main reference factors to influence the basic pension level, which provides a reference basis for Shanxi Province to adjust the basic pension level.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

【参考文献】