晋江市城乡居民基本养老保险制度优化研究

发布时间：2018-03-06 00:05

本文选题：优化　切入点：城乡居民基本养老保险　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：城乡居民基本养老保险作为一项普惠性的民生大工程,涉及我国广大城镇及农村老年人的切身利益。我国从2009年开始试点实行新型农村社会养老保险制度,2011年设立试点进一步推进城镇居民社会养老保险制度,2014年2月7日,国家决定依法将新型农村社会养老保险、城镇居民社会养老保险并轨,建立城乡居民基本养老保险制度。晋江作为全国首批新型农村社会养老保险试点之一,从2009年开始运行该制度,在制度运行之初就得到各级政府的高度重视。参保人群覆盖了除参加职工养老保险及机关社会养老保险以外的所有16周岁以上的非在校生人群。由于晋江市城乡差距小,因此一开始就实行农村城镇一体化的政策。本文在对晋江市城乡居民基本养老保险制度运行状况进行说明的基础上,结合相关公共管理理论,通过访谈问卷的方式分析该制度运行中存在的问题并提出解决改进方案。着重从基础养老金调整、提高群众参保意愿、完善基金管理以及提升基层经办水平四方面进行研究。通过文献分析法掌握国内及国外相关领域的研究现状,夯实城乡居民基本养老保险制度研究的理论基础;通过比较分析法获取其他地区先进的制度实施经验,为晋江市城乡居民基本养老保险制度实施提供借鉴参考、取长补短;通过访谈法,深入了解制度运行的成效与不足,以及群众对于该制度的评价以及期望。在综合分析的基础上,本文认为,针对基础养老金水平偏低的问题,主要从以下两方面今天提高:在入口方面,建立长缴多得的缴费激励政策,同时鼓励集体补助政策;在出口方面,政府可将基础养老金水平与经济发展水平等因素挂钩,提高养老金自动调节的灵活性。针对群众参保意愿不高问题,政府可着重对城乡居民基本养老保险制度进行系统性的宣传,并通过基层政府引导组织群众参与。针对基金管理不善问题,通过提高统筹层级,灵活基金管理;通过制定法律法规,确保基金管理的安全有效。针对基层经办水平低问题,通过提高基层经办人员业务水平及完善基层经办硬件标准等方法来解决。该研究理论上丰富了城乡居民基本养老保险的研究成果,实际上对于该制度在其他地区的运行有实际的借鉴意义。
[Abstract]:Basic old-age insurance for urban and rural residents as a major project of inclusive livelihood, It involves the vital interests of the elderly in the vast number of towns and rural areas in China. The new rural social old-age insurance system has been implemented on a pilot basis in China since 2009, and the pilot project was set up in 2011 to further promote the social old-age insurance system for urban residents. In February 7th 2014, The State has decided to merge the new type of rural social old-age insurance with the urban and rural residents' social old-age insurance in accordance with the law, and to establish a basic old-age insurance system for urban and rural residents. Jinjiang is one of the first pilot projects of the new rural social old-age insurance in China. The system has been in operation since 2009, At the beginning of the operation of the system, the governments at all levels attached great importance to it. The insured population covered all non-school students over the age of 16 except for participating in the workers' pension insurance and the organ social old-age insurance. Due to the small gap between urban and rural areas in Jinjiang City, Therefore, the policy of integration of rural and urban areas has been implemented from the beginning. This paper, on the basis of explaining the operation of the basic old-age insurance system for urban and rural residents in Jinjiang, combined with the relevant public management theory, This paper analyzes the problems existing in the operation of the system by means of interview questionnaire, and puts forward the solution to the improvement plan, focusing on the adjustment of the basic pension and the increase of the masses' willingness to participate in the insurance. Improve the fund management and improve the basic level of the four aspects of the study. Through the literature analysis to grasp the domestic and foreign related fields of research, consolidate the theoretical basis of urban and rural residents basic old-age insurance system research; Through comparative analysis to obtain advanced system implementation experience in other regions, to provide a reference for the implementation of the basic old-age insurance system for urban and rural residents in Jinjiang, learn from each other's weaknesses; through interviews, in-depth understanding of the effectiveness and shortcomings of the system, As well as the evaluation and expectations of the masses on the system. On the basis of comprehensive analysis, this paper holds that, in view of the low level of basic pension, it is mainly raised today from the following two aspects: in terms of import, Establish a premium incentive policy with a long payout and encourage a collective subsidy policy; in the case of exports, the government can link the level of basic pensions to factors such as the level of economic development. To improve the flexibility of automatic adjustment of pensions. In view of the low willingness of the masses to participate in the insurance, the government can focus on the systematic publicity of the basic old-age insurance system for urban and rural residents. And through the grass-roots government to guide the organization of mass participation, in view of the mismanagement of the fund, through raising the overall planning level, flexible fund management, by formulating laws and regulations to ensure the safety and effectiveness of fund management, and aiming at the low level of grass-roots management, To solve the problem by improving the professional level of grass-roots office personnel and improving the hardware standards of grass-roots agencies. The research enriches theoretically the research results of basic old-age insurance for urban and rural residents. In fact, the operation of the system in other regions has practical significance.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

【参考文献】