重庆市农村居民养老保险适度水平研究

发布时间：2018-04-10 21:47

本文选题：重庆市农村居民社会养老保险 + 适度水平　；参考：《重庆理工大学》2014年硕士论文

【摘要】：养老保险是社会保障体系中的重要组成部分，是国民收入的再分配方式，是解决老年居民生存危机的重要政策，是经济发展到一定阶段公民应当获得的一项基本权利。农村社会养老保险制度是为了保障年老丧失劳动能力的农村居民的基本生活，国家根据一定的法律法规建立的一项基本保障制度。农村养老保险制度是否能满足农村老年人的养老需要，主要在于其发展的状况、给付水平的高低等方面。水平过低，则不能满足农村老人的基本生活需要；水平过高，则会加重财政负担，滋养农民懒散的习性，不利于经济社会的发展。因此，适度的养老保险水平，既要注意需求，也要考虑供给。本文在分析国内外相关理论和文献的基础上，回顾了我国农村社会养老保险的发展过程，剖析了传统农村社会养老保险和新型农村社会养老保险的区别。以重庆市为例，从城乡居民社会养老保险制度运行的现状出发，深入分析了重庆农村居民养老保险存在的问题和影响农村居民养老保险的因素。从宏微观角度建立模型，对农村居民养老保险适度水平模型进行了测度，测算出重庆市农村居民养老保险适度水平上下限，，并联系重庆实际，得出微观角度下重庆的基础养老金对农村老年人的保障水平不高，宏观角度下重庆市城乡居民社会养老保险基金支出不足的结论；最后根据模型和定量分析的结果以及影响农村居民养老保险因素，提出改善重庆市农村居民养老保险的相关对策建议，旨在为我国现阶段推进城乡居民社会养老保险一体化提供一定的借鉴。
[Abstract]:Pension insurance is an important part of the social security system, a redistribution of national income, an important policy to solve the survival crisis of the elderly residents, and a basic right that citizens should obtain at a certain stage of economic development.The rural social endowment insurance system is a basic security system established by the state according to certain laws and regulations in order to ensure the basic life of the rural residents who are old and incapacitated.Whether the rural old-age insurance system can meet the pension needs of the rural elderly mainly lies in the status of its development, the level of payment and so on.If the level is too low, it can not meet the basic living needs of the old people in rural areas; if the level is too high, it will increase the financial burden, nourish the lazy habits of peasants, and is not conducive to the development of economic society.Therefore, the appropriate level of pension insurance, both to pay attention to demand, but also to consider supply.Based on the analysis of relevant theories and literature at home and abroad, this paper reviews the development process of rural social old-age insurance in China, and analyzes the differences between traditional rural social old-age insurance and new rural social old-age insurance.Taking Chongqing as an example, starting from the current situation of urban and rural residents' social old-age insurance system, this paper deeply analyzes the existing problems of Chongqing rural residents' old-age insurance and the factors affecting the rural residents' old-age insurance.This paper establishes a model from the macro and micro angle, measures the appropriate level model of rural residents' endowment insurance, calculates the upper and lower limits of the appropriate level of rural residents' pension insurance in Chongqing, and combines the reality of Chongqing.The conclusion is that the basic pension in Chongqing is not high for the elderly in rural areas from the micro perspective, and the social pension fund expenditure is insufficient in urban and rural areas in Chongqing from the macro point of view.Finally, according to the results of the model and quantitative analysis and the factors affecting the rural residents' pension insurance, the paper puts forward the relevant countermeasures and suggestions to improve the rural residents' pension insurance in Chongqing.In order to promote the integration of urban and rural residents social endowment insurance at this stage of our country to provide certain reference.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.89;F842.67

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