河北省农村养老保险存在的问题及对策研究

发布时间：2018-03-08 03:13

本文选题：农村养老保险　切入点：政府　出处：《中南林业科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：养老问题是每个国家都在关注的问题,它是一个国家社会保障的基础,一个国家养老水平的发展能够体现出这个国家的经济发展水平以及这个国家政策制度的完善程度。众所周知,中国不仅是一个人口大国,更是一个农业大国,农村人口占全国人口的70%以上。农民的问题至关重要,受到广泛关注,农村养老保险作为社会保障制度的重要环节之一,它的推广是否顺利关系到农民们的切身利益,关系到一个国家的安定团结。因此,解决农村养老保险问题是农村建设的重中之重。当前我国的农村养老保险制度不够完善存在着很多的问题亟待解决。河北省作为一个农业大省,农村人口占比较重,随着人口老龄化程度不断加深,城乡的贫富差距不断加大,相对于城区的经济发展水平,农业的发展要相对落后,城乡居民的收入水平差距很大。城乡二元化发展既不利于农业养老保险的开展,也不利于河北省农村经济的长远发展。我国现行的农村养老保险制度主要以个人缴费为主,这样在一定程度上增加了农民们的负担,解决好农村养老保险问题对于稳定社会,对于促进省内经济发展有着重要影响。河北省作为农村养老保险的试点之一,在推广农村养老保险的过程中,取得了一定的成绩,同时也发现了很多问题。本文主要是通过了解我国养老农村养老保险的发展背景及现状,了解在国家这个大环境下,农村养老保险的推广程度,并且希望借鉴国外养老保险的成功经验,着重分析河北省农村养老保险在推广过程中所遇到的具体问题,包括河北省农民的观念相对落后,对于保险制度的认识不够透彻,参保意识比较单薄,政府没有能够发挥其真正的作用,不能够作为强大的后盾来解决农民们的养老保障问题,加上集体补助的缺失,主要依靠农民自助缴费,农民们缺乏参保的积极性。农村养老保险制度推广出现了覆盖面窄,养老标准低的现象。农村养老保险制度缺乏规范性的法律保护,遇到问题,无法可依,很多问题得不到妥善及时的处理,导致养老保险制度推广停滞不前。农村养老保险基金的管理不够规范,不能够确保养老基金的保值增值。本文通过分析河北省在农村养老保险推广的过程中所面临的这些问题,从群众观念,政府扶助,经济调整,法律法规,制度形式等方面具体提出解决这些问题的具体方案。
[Abstract]:The problem of old-age care is a problem that every country is concerned about. It is the foundation of a country's social security. The development of a country's pension level can reflect the level of the country's economic development and the degree of perfection of the national policy system. As we all know, China is not only a country with a large population, but also a large agricultural country. The rural population accounts for more than 70% of the population of the country. The problem of farmers is of great importance and has received extensive attention. As one of the important links of the social security system, the promotion of rural old-age insurance is related to the vital interests of farmers. It concerns the stability and unity of a country. Therefore, solving the problem of rural old-age insurance is the top priority of rural construction. At present, there are many problems to be solved in China's rural old-age insurance system which is not perfect enough. As a large agricultural province, Hebei Province has a heavy rural population. With the increasing aging of the population, the gap between the rich and the poor in urban and rural areas is increasing. Compared with the level of economic development in urban areas, the development of agriculture is relatively backward. The income level gap between urban and rural residents is very large. The dual development of urban and rural areas is not conducive to the development of agricultural pension insurance and the long-term development of rural economy in Hebei Province. In this way, to a certain extent, the burden of farmers has been increased, and a good solution to the problem of rural old-age insurance has an important impact on stabilizing society and promoting economic development in the province. As one of the pilot projects of rural old-age insurance, Hebei Province is one of the pilot projects in rural old-age insurance. In the process of popularizing rural endowment insurance, some achievements have been made, and many problems have been found. This article is mainly through the understanding of the development background and current situation of the old-age pension insurance in our country, to understand the degree of popularization of the rural old-age insurance in the national environment, and hope to learn from the successful experience of the foreign pension insurance. Focusing on the analysis of the specific problems encountered in the process of popularizing rural old-age insurance in Hebei Province, including the relatively backward concept of farmers in Hebei Province, the lack of thorough understanding of the insurance system, and the relatively weak awareness of participating in the insurance. The government has not been able to play its real role and can not act as a powerful backing to solve the problem of the old-age security of farmers, coupled with the lack of collective subsidies, mainly relying on farmers to pay their own expenses. The rural old-age insurance system has a narrow coverage and low old-age standard. The rural old-age insurance system lacks normative legal protection and is unable to be followed when it comes to problems. Many problems are not properly and timely dealt with, resulting in a standstill in the promotion of the old-age insurance system. The management of rural pension insurance funds is not standardized. This paper analyzes these problems that Hebei Province faces in the process of promoting rural old-age insurance, from the view of the masses, government assistance, economic adjustment, laws and regulations, The form of the system and other aspects of specific solutions to these problems.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67;F323.89

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