河南N县城乡居民养老保险一体化推进中的问题研究

发布时间：2018-04-04 22:16

本文选题：城乡居民　切入点：养老保险　出处：《广西师范大学》2017年硕士论文

【摘要】：城乡居民基本养老保险是统筹城乡发展的重要组成部分,在维护居民基本利益方面有着重要的作用。随着经济的发展,城乡差距的扩大,城乡居民养老保障方面的差异已经成为影响社会稳定和制约经济均衡发展的重要因素,势必进行统筹。本文以河南N县为例,对城乡居民养老保险一体化推进中存在的问题进行探讨,旨在为城乡居民养老保险一体化实践提供思路与指导。论文基于社会公平理论和政府责任理论,运用个案研究的方法,对河南N县社保中心和相关居民进行实地调查,开展研究,通过实施背景、实施政策、实施效果等三个方面对城镇居民养老保险和新型农村养老保险进行对比分析,可以看出在养老保险二元化的背景下,城镇居民与农村居民享受养老保险福利的权利是不平等的,其制度设计的起点就存在着不平等的现象,两者的养老保险覆盖面差别较大。因此,养老保险制度一体化必然成为实现社会公平正义的必由之路。N县在实施城乡居民养老保险一体化改革中取得了明显的效果,初步实现了养老保险制度的全覆盖,养老保险制度保障效果比较明显,城乡居民的养老压力问题得到有效缓解。但由于该制度实施时间尚短,相关政策措施也在实践中摸索,因此在推进过程中仍然存在不少亟待解决的问题,如资金筹措困难,管理水平不高,监督管理执行不到位,部分群众参保积极性不高等,究其原因,是基层政府服务效率的不高、职能缺位,形式化的监督机制和群众参保存在顾虑等因素综合影响的结果。深化城乡居民养老保险一体化改革,应该通过提高政府补贴标准、完善基金管理制度、建立财政和基金共担的机制来提高筹资标准与保障水平;要加快基层政府的职能转变;优化监管资源配置,建立完善的监管体系;要统筹城乡发展,发展地方特色经济,提高居民收入水平,提升居民缴费能力;要加大政策宣传力度,转变传统养老观念,提高居民参保积极性;通过建立灵活多样的养老服务供给机制,建立统一的养老保险电子信息平台,强化基础服务站点的建设,完善的经办服务体系。
[Abstract]:The basic old-age insurance for urban and rural residents is an important part of urban and rural development and plays an important role in safeguarding the basic interests of residents.With the development of economy and the widening of the gap between urban and rural areas, the difference of pension security between urban and rural residents has become an important factor affecting social stability and restricting the balanced development of economy.Taking N County of Henan Province as an example, this paper discusses the problems existing in the promotion of the integration of urban and rural residents' old-age insurance, in order to provide ideas and guidance for the practice of the integration of urban and rural residents' old-age insurance.Based on the theory of social equity and the theory of government responsibility, this paper applies the method of case study to carry out field investigation on social security center and related residents in N County of Henan Province, carry out research, implement policies through the implementation background.By comparing and analyzing the pension insurance of urban residents and the new rural old-age insurance in three aspects, we can see that under the background of dual endowment insurance, the rights of urban residents and rural residents to enjoy pension insurance benefits are not equal.There is inequality in the starting point of the system design, and the coverage of pension insurance is quite different between them.Therefore, the integration of endowment insurance system must become the only way to realize social equity and justice. N County has achieved obvious results in implementing the reform of urban and rural residents' pension insurance integration, and has initially realized the full coverage of the pension insurance system.The effect of the pension insurance system is obvious, and the aged pressure of urban and rural residents has been effectively alleviated.However, due to the short implementation time of the system and the exploration of relevant policies and measures in practice, there are still many urgent problems to be solved in the process of promotion, such as the difficulty of raising funds, the low level of management, the lack of supervision and management, and the lack of implementation of supervision and management.Some people's enthusiasm for participating in insurance is not high, the reason is that the efficiency of grass-roots government service is not high, the function is absent, the formal supervision mechanism and the concern of the masses participating in the insurance are the result of the comprehensive influence of such factors as the low efficiency of the grass-roots government service, the absence of functions, and so on.In order to deepen the reform of urban and rural residents' old-age insurance integration, we should improve the standard of raising funds and guarantee level by raising the standard of government subsidy, perfecting the fund management system, establishing the mechanism of finance and fund sharing, and speeding up the function transformation of grass-roots government.We should optimize the allocation of regulatory resources, establish a sound regulatory system, coordinate urban and rural development, develop the economy with local characteristics, raise the income level of residents, and enhance the ability of residents to pay fees.Improve the enthusiasm of residents to participate in insurance, through the establishment of flexible and diverse pension service supply mechanism, establish a unified electronic information platform of old-age insurance, strengthen the construction of basic service sites, improve the service system.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

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