我国国民基础养老金制度构建研究

发布时间：2018-05-05 08:43

本文选题：基础养老金 + 普惠式养老金　；参考：《湘潭大学》2017年硕士论文

【摘要】：不断完善我国养老金制度体系是解决我国养老金制度碎片化、人口老龄化、城乡二元化、以及国家财政投入力度失衡等问题的关键,也是使我国社会保障体系走向成熟、实现制度公平公正、构建和谐社会的必要步骤。我国现行的养老制度仍然带有“应急式”、“头疼医头,脚疼医脚”的性质、缺乏合理的顶层设计。哪里有缺漏问题就修补哪里,并没有从长远角度出发来考虑一套长期具有适用性的养老制度。因此就目前来看养老金制度改革的成效并不是很理想,存在着保障水平持续偏低、缴费激励性较差、保险费率偏高、基金收支压力较大以及养老基金保值增值较难等一系列问题。“碎片化”的养老金制度不仅浪费了大量公共管理资源,也不利于形成统一的劳动力市场,还会影响到整个社会的公平公正及安定和谐的发展。现阶段看我国正在施行的各类养老金制度之间并没有一个可以很好转换、衔接的标准。本论文提出构建“我国国民基础养老金制度”的设想,是想为全国人民导入一种全覆盖、保基本,既公平公正又可持续发展的普惠式的养老金制度。我国国民基础养老金制度的建成,不但将能实现制度的公平公正、全面覆盖,又能解决现制度之间的衔接问题,还可使流动人口无论走到哪儿都能获得同样的社会保障,正因此本论文具有了一定的现实研究意义。而为能让这一制度顺利实现,就需要党中央与地方政府全力配合。首先本文回顾了有关养老金制度的概念及相关理论,为构建我国国民基础养老金制度夯实了理论基础;其次通过回顾我国养老金制度变迁的过程,分析制度在发展过显现出的制度缺陷与不足等问题,提出了构建我国国民基础养老金制度的紧迫性、必要性、可行性;再者通过梳理分析国外普惠式养老金制的特点及经验,为构建我国国民基础养老金制度得出启示;最后详细介绍我国基础养老金制度的总体框架,及其资金来源保障等。同时根据国际养老金替代率水平,以及我国社会平均工资以及消费水平等因素粗糙的确定基础养老金的替代率范围。还针对与现行养老金制度之间的衔接问题提出些许想法。
[Abstract]:Perfecting our pension system is the key to solve the problems of fragmentation of pension system, aging population, urban-rural dualization, and imbalance of national financial input, and it also makes our social security system mature. The necessary steps to realize the fairness and justice of the system and to build a harmonious society. The present pension system of our country still has the nature of "emergency type", "headache cure head, foot hurts feet", and lacks reasonable top-level design. Where there is a gap where the repair, and not from a long-term perspective to consider a long-term applicable pension system. Therefore, at present, the effect of the reform of the pension system is not very satisfactory. There is a persistent low level of security, poor incentive to pay fees, and high insurance rates. Fund income and expenditure pressure and pension fund maintenance and appreciation difficult to wait for a series of problems. The fragmented pension system not only wastes a large number of public administration resources, but also does not favor the formation of a unified labor market, but also affects the fair, just, stable and harmonious development of the whole society. At the present stage, there is not a good standard of conversion and convergence between the various pension systems being implemented in our country. The purpose of this paper is to introduce a universal pension system with full coverage, basic protection, fair and equitable development and sustainable development for the people of our country. The completion of the national basic pension system in China will not only realize the fairness and fairness of the system, cover all aspects of the system, but also solve the problem of convergence between the existing systems, and also enable the floating population to obtain the same social security wherever they go. Therefore, this paper has a certain practical significance. In order to make this system come true smoothly, the Party Central Committee and the local government must cooperate with each other. First of all, this paper reviews the concept and related theories of pension system, which lays a solid theoretical foundation for the construction of China's national basic pension system; secondly, by reviewing the process of pension system changes in our country, This paper analyzes the defects and deficiencies of the system in its development, and puts forward the urgency, necessity and feasibility of constructing the national basic pension system in China, and analyzes the characteristics and experience of the universal pension system in foreign countries. Finally, it introduces the general framework of the basic pension system in China, and the guarantee of its source of funds and so on. At the same time, according to the international pension replacement rate level, as well as China's social average wage and consumption level factors such as rough determination of the basic pension replacement rate range. It also offers some ideas about the link with the current pension system.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

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