河南省城乡居民社会养老保险统筹发展研究

发布时间：2018-03-03 00:07

本文选题：城乡居民社会养老保险　切入点：统筹发展　出处：《河南大学》2013年硕士论文　论文类型：学位论文

【摘要】：“从无到有，从有到人人享有，从人人享有到人人公平的享有”是我国社会保障的总体发展趋势。目前河南省养老保险制度的城乡分割、制度碎片化的问题日益凸显，严重背离了社会保障追求公平正义的发展方向，因此促进养老保险的城乡统筹必然是河南省养老保险体系的发展趋势。在河南省养老保险体系城乡统筹的发展趋势下，城乡居民社会养老保险（以下简称城乡居民养老保险）作为河南省构建城乡统筹的养老保险体系的关键一步只有以城乡统筹为制度目标才能实现自身的可持续发展。因此城乡居民养老保险能否实现统筹发展关系着城乡统筹的养老保险体系建设的成败，促进城乡居民养老保险的城乡统筹是河南省社会经济发展的当务之急。2011河南省城乡居民社会养老保险试点的开展填补了我省基本养老保险的最后一个“缺项”，实现了全省社会保障体系的制度全覆盖，完成了制度“从无到有”、覆盖面“从小到大”的阶段任务，制度发展取得伟大硕果。然而在城乡居民养老保险试点推行的过程中也产生了一些问题，诸如制度统筹目标不明确、养老金替代率偏低、系统老龄化和待遇调整机制的不完善等，，阻碍着河南省城乡居民养老保险的统筹发展。本研究从养老保险城乡统筹的制度目标出发，分别对国内先进地区和河南省城乡居民养老保险的实践概况进行梳理总结，其次结合调研结果对城乡居民参保行为和继续参保意愿进行了实证分析，找出影响城乡居民养老保险统筹发展的关键因素，最终提出了河南省城乡居民养老保险实现统筹发展的路径依赖，从宏观角度提出养老保险实现城乡统筹的“三步走”战略规划和多层次的城乡居民社会养老保险的实现模式，从微观角度对城乡居民养老保险的制度优化提出具体对策。
[Abstract]:"from scratch to existence, from existence to enjoyment, from everyone to equity" is the overall development trend of social security in our country. It deviates seriously from the development direction of social security in pursuit of fairness and justice, so it is inevitable that the development trend of Henan pension insurance system is to promote the urban and rural overall planning of endowment insurance. Under the development trend of urban and rural planning of pension insurance system in Henan Province, Urban and rural residents' social endowment insurance (hereinafter referred to as urban and rural residents' endowment insurance) as a key step in constructing the urban and rural overall planning pension insurance system in Henan Province, only by taking the urban and rural overall planning as the system objective can we realize their own sustainable development. Therefore, whether or not the urban and rural residents' endowment insurance can achieve overall development is related to the success or failure of the construction of the urban and rural comprehensive pension insurance system. Promoting the overall planning of urban and rural residents' old-age insurance is an urgent matter for the social and economic development of Henan Province .2011 the pilot project of urban and rural residents' social old-age insurance in Henan Province has filled the last "lack" of basic old-age insurance in our province. The social security system of the whole province is now fully covered. Has completed the system "from nothing to have", the coverage "from the small to the big" stage task, the system development obtained the great achievement. However, in the urban and rural residents pension insurance pilot implementation process also produced some questions, such as the system overall planning goal is not clear, Pension replacement rate is low, system aging and treatment adjustment mechanism are imperfect, which hinder the overall development of urban and rural residents pension insurance in Henan Province. Starting from the system goal of urban and rural pension insurance, this study summarizes the practice of old-age insurance for urban and rural residents in advanced areas of China and Henan Province, respectively. Secondly, based on the research results, the author makes an empirical analysis on the behavior and willingness of urban and rural residents to continue to participate in the insurance, and finds out the key factors that affect the overall development of urban and rural residents' pension insurance. Finally, it puts forward the path dependence of realizing the overall development of urban and rural residents' endowment insurance in Henan Province, and puts forward the "three-step" strategic plan and the multi-level realization mode of urban and rural residents' social old-age insurance from the macro perspective. From the micro point of view, the system optimization of urban and rural residents pension insurance system is put forward specific countermeasures.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

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