湖南省新型农村社会养老保险现状及对策研究

发布时间：2018-03-20 05:34

本文选题：农村养老机制　切入点：法律法规　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】：建立符合湖南全省实际情况的农村养老保险制度可以有效的减小城乡之间的差距、促进农村的和谐发展,是全省农民的生活水平得以提升的重要保障。本文总结国内与国外的农村养老保险制度的经验以及内容相结合,介绍湖南发展农村社会养老保险的过程,对湖南农村社会传统的的养老保险制度的缺陷进行了总结,提出在新农保实施的过程中存在的诸多问题和制约因素,最后提供了一些建议和措施用以帮助湖南开展新型农村社会养老保险制度的建立。主要结论如下： (1)与老的农村社会养老保险相比,新农保有以下几个新举措：一是以个人缴费和集体补助以及政府补贴为基础实行多元化的筹资,共同为新农保养老保险搭建一个平台；二是具有本地的户口并且还没有参加城镇职工养老保险的农民年满16周岁(不包括在校学生),都可在户籍所在地进行参保,参保范围广；三是基础养老金和个人账户养老金二者共同组成了养老金待遇,以人为本的科学发展观和公正、公平、效率的原则得到了充分的体现；四是采取发放的方式为社会化发放新型农村社会养老保险养老金；五是通过社会救助、土地保障、传统家庭养老等政策多层次的养老模式,从而确定了实行新农保的基础,在制度上保障农民的养老；六是对于那些仍然在实施传统农保的地区,要对原有的基金相关问题进行妥善处理,良好完成与新保制度的衔接。 (2)新农保存在以下几个方面的问题：计划生育政策导致家庭规模的缩小,以及家庭养老保障的功能的下降削弱了农村养老的能力；不健全的法律、滞后的立法工作；政府职能的缺位,包括管理方面缺乏有效的机制、基金运营管理不规范、地方政府在资金落实方面存在困难等；宣传力度不够,农村养老保险制度给予农民的待遇福利无法被广大农民所认知。 (3)通过建立农村社区养老机制、激励传统家庭养老保障等措施完善农村养老机制；通过老年人保障法、农村最低生活保障法、农村养老法等法律的形式建立健全法律法规；通过加强基金运营管理、加速农村经济发展和增加农民收入、加强专业人才的培养、拓宽养老社会保险资金来源、加大政府财政投入和支持力度等方面充分发挥政府的责任和作用；最后,要加大舆论宣传的力度,通过采用通俗的方式来进行新农保的重要意义的宣传,让广大农民可以听得懂的同时能够很好的理解并能易于被农民所接受,从而促使广大农民主动的、积极的、自愿的参加新农保。
[Abstract]:The establishment of a rural old-age insurance system in line with the actual situation in Hunan Province can effectively reduce the gap between urban and rural areas and promote the harmonious development of rural areas. This paper summarizes the experience and content of rural old-age insurance system in China and foreign countries, and introduces the process of developing rural social old-age insurance in Hunan. This paper summarizes the defects of the traditional old-age insurance system in Hunan rural society, and puts forward many problems and restrictive factors existing in the implementation of the new rural insurance system. Finally, some suggestions and measures are provided to help Hunan develop the establishment of a new rural social old-age insurance system. The main conclusions are as follows:. 1) compared with the old rural social old-age insurance, the new farmers have the following new measures: first, to build a platform for the new rural old-age insurance on the basis of individual contributions and collective subsidies and government subsidies; Second, farmers with local hukou and have not participated in urban workers pension insurance has reached the age of 16 (excluding students in school, can participate in the domicile of the place to participate in the insurance, a wide range of insurance; Third, the basic pension and the personal account pension constitute the pension treatment together, the scientific development view of people-oriented and the principle of justice, fairness and efficiency have been fully embodied; The fourth is to adopt the way of issuing the new rural social old-age insurance pension for socialization. Fifth, through the multi-level pension model of social assistance, land security, traditional family old-age care and so on, the foundation for the implementation of the new rural old-age insurance has been determined. Sixth, for those areas that are still implementing traditional rural insurance, we should properly deal with the problems related to the original fund, and complete the link with the new insurance system. (2) the problems of new farmers in the following aspects: family planning policy leads to the reduction of family size, and the decline of the function of family pension security weakens the ability of rural old-age support, imperfect laws, lagging legislative work; The absence of government functions, including the lack of effective management mechanisms, fund management is not standardized, local governments have difficulties in the implementation of funds, etc. Rural old-age insurance system gives farmers treatment and welfare can not be recognized by the majority of farmers. (3) perfecting the rural old-age system by establishing the rural community pension mechanism, encouraging the traditional family old-age security and so on, establishing and perfecting the laws and regulations in the form of the old people's security law, the rural minimum living security law, the rural pension law, the rural old-age care law, etc. By strengthening the operation and management of the fund, accelerating the development of rural economy and increasing the income of farmers, strengthening the training of professionals, and broadening the sources of funds for social insurance for the aged, Increase government financial input and support to give full play to the responsibility and role of the government; finally, we should increase the strength of public opinion propaganda, through the adoption of popular methods to promote the importance of new rural insurance, So that the majority of farmers can understand the same time can be very good understanding and easy to be accepted by farmers, so as to promote the majority of farmers to take the initiative, active, voluntary participation in the new rural insurance.
【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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