新型农村养老保险制度问题及对策研究

发布时间：2018-03-30 17:28

本文选题：新型农村社会养老保险制度　切入点：基本理论　出处：《山东大学》2013年硕士论文

【摘要】：农村社会养老保险制度是我国社会政策的重要组成部分,是解决现阶段农村养老问题,化解我国老龄化压力的唯一路径。由于我国农村人口基数大、地区差异巨大及家庭养老观念根深蒂固,造成了我国农村社会养老保险制度发展困境不断。20世纪80年代以来,我国陆续开展了一系列对于农村社会养老保险制度的探索与尝试,先后于1991年和2009年出台“旧农保”与“新农保”制度,为解决我国农村的养老问题提供了重要的制度保障。旧农保制度受限于我国当时的财政状况与农村实际,是建立在农民自身储蓄的模式之上,主要依靠农民自己缴纳养老金,农民积极性不高、负担过重及保障水平较低。旧农保制度推出以来,我国一直在探寻改进与完善农村社会养老保险制度的方法与途径。2009年国务院推出新的指导意见在全国范围内推行新型农村社会养老保险制度。该制度采取个人缴费、集体补助与政府补贴相结合的筹资模式,缓解了旧农保实施过程中出现的突出问题与矛盾。由于新型农村社会养老保险制度实施时间过短,不可避免的在资金筹集、工作衔接及管理工作等方面存在一些问题与缺陷,要坚持惠农助农的价值取向,不断健全我国农村社会养老保险的政策法规、突出政府主导作用、优化管理体制及整合养老资源,促进我国农村社会养老保险制度的不断完善。
[Abstract]:The rural social endowment insurance system is an important part of our country's social policy. It is the only way to solve the rural old-age problem and the pressure of aging in our country. The huge regional differences and the deep-rooted concept of family old-age care have led to the difficulties in the development of the rural social endowment insurance system in China. Since the 1980s, China has carried out a series of exploration and attempts on the rural social old-age insurance system one after another. The old rural insurance system and the new rural insurance system were introduced in 1991 and 2009 respectively, which provides an important institutional guarantee for solving the problem of old-age support in rural areas of our country. The old rural insurance system was limited by the financial situation and the rural reality of our country at that time. It was based on the mode of farmers' own savings, and mainly depended on the farmers' own paying of pension, so the enthusiasm of farmers was not high. The burden is too heavy and the level of protection is relatively low. Since the introduction of the old rural insurance system, China has been exploring ways and means to improve and perfect the rural social old-age insurance system. In 2009, the State Council introduced a new guidance to implement the new rural social old-age insurance system nationwide. The combination of collective subsidies and government subsidies alleviates the outstanding problems and contradictions in the implementation of the old rural insurance. Because the implementation time of the new rural social endowment insurance system is too short, there are some problems and defects in the aspects of fund raising, work convergence and management, etc., so we should adhere to the value orientation of benefiting agriculture and helping agriculture. It is necessary to perfect the policies and regulations of rural social endowment insurance, highlight the leading role of the government, optimize the management system and integrate the endowment resources, so as to promote the continuous improvement of the rural social endowment insurance system in our country.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67

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