新型农村养老保险适度缴费水平研究

发布时间：2018-05-08 00:16

本文选题：新型农村社会养老保险 + 政府责任　；参考：《辽宁大学》2013年硕士论文

【摘要】：农村社会养老保险是我国社会保障体系建设的重要组成部分。近年来,随着科学发展观和城乡统筹发展战略的提出,农村社会养老保险事业的发展也被纳入到政府政策视域之中。党的十六大报告明确提出要在有条件的地方探索并建立农村养老、医疗保险和最低生活保障制度。党的十六届三中全会提出建立以家庭为主、集体保障和国家救济相结合的农村养老保障体系,而党的十六届六中全会进一步强调到2010年要基本建立覆盖城乡居民的社会保障体系,从而将政府在农村社会发展中的责任提高到一个新的高度,这无疑给农村社会养老保险的发展提供了新的契机。作为社会保障体系的建设者和推动者,政府在其中负有不可推卸的责任。合理定位在农村社会保险事业发展中的政府责任,让政府在社会养老保险发展中履行其应尽的职责,不仅关系到农村社会养老保险事业的发展,而且关系到我国整个社会保障体系建设的进程。随着农村劳动力涌向城市，越来越多的农村家出现了空巢家庭的状况，这就弱化了家庭养老的功能。就在这时，人口老龄化趋势不断的加强，我国也面临着严重的人口老龄化，这就共同促成了新型农村养老保险制度的出台。虽然政府对农村养老问题高度重视，不断发展农村经济，强化政府对农村养老问题的政策与资金扶持，自从新农村制度出台后，我国农村养老问题有了明显的改善与提高，农村养老矛盾也有所缓和，但是随着新农保制度的不断运行，也出现了不可忽视的问题，这些问题阻碍了新农村制度的实施进程。在当前社会主义现代化的建设进程中，农村社会养老保险是统筹城乡社会保障体系建设的重点之一，也是社会主义新农村建设中的重要环节。新型农村社会养老保险制度能否保证农村居民的“老有所养”问题，关键在于发展水平的高低。本文在第一部分首先介绍了文章研究的背景与现实意义、其他学者对新农保的研究以及本文研究的方法；第二部分阐述了中国现行农村养老保险制度的发展进程，从农村养老保障政策的出现，一直到现阶段新农保制度的运行都有其存在发展的原因和理论基础，同时提出了政府在新农保制度中应该承担的责任；第三部分运用相关理论对这种新型养老保险制度的缴费问题进行了现实分析，详细阐明了我国新农保制度运行过程中所存在的问题和出现这些问题的原因是什么，接着第四部分在此基础上分别从需求和消费角度测算了我国农村居民在连接缴费15年、连接缴费20年、连接缴费25年和连接缴费30年四个缴费年限上适度的缴费率，主要测算了适度缴费率的区间限制，，然后结合财政补贴状况综合分析适度的缴费区间；同时第五部分提出实现测算出的适度缴费水平的现实条件，不同的影响因素同时发生作用，共同促进适度缴费水平的实现，以及在缴费模式中考虑到政府补贴因素的介入对养老保险缴费模式的影响，最后一部分是针对我国新型农村养老保险制度中存在的问题进行改进，在此基础上提出几点对策建议：继续贯彻执行有关加强农民收入的法规政策；拓宽基金来源渠道，形成多层次的基金筹资模式；保证农村养老保险基金的安全及其保值增值；加强政府财政力度对新农保制度的转移支付，以促进我国农村养老保险制度的健康发展。老有所养不仅是居民个人最关心的问题,也是党和政府对全社会居民非常关注的重要问题之一。在人口老龄化背景下,构建农村社会养老保障体系,完善农村社会保险制度,是统筹城乡经济社会发展、促进杜会和谐、提高农民生活水平和全面建设小康社会的重大举措通过本文的研究，希望能够为地方政府推行新农保提供有益的经验和建议，通过强化政府服务意识和财政责任，有效解决人口老龄化给农村养老带来的困境和问题，促进我国经济社会的全面发展。
[Abstract]:Rural social endowment insurance is an important part of the construction of social security system in China. In recent years, with the proposed development strategy of Scientific Outlook on Development and urban and rural development, the development of the rural social endowment insurance has also been brought into the government policy view. The sixteen major reports of the party have made it clear that it is necessary to explore and establish in a conditional place. Rural endowment, medical insurance and minimum living security system. In the third Plenary Session of the 16th CPC Central Committee, the party proposed to establish a rural old-age security system based on family, collective security and state relief. In the sixth Plenary Session of the 16th CPC Central Committee, the party further stressed that the social security system covering urban and rural residents should be basically established by 2010, thus the government will be the government. The responsibility of the rural social development has been raised to a new height, which undoubtedly provides a new opportunity for the development of the rural social endowment insurance. As the builder and promoter of the social security system, the government has an unshirkable responsibility. The government is responsible for the government in the development of the insurance insurance in the rural society, and the government is in the society. It is not only related to the development of the rural social endowment insurance, but also to the process of the construction of the whole social security system in China.
With the rural labor force flowing into the city, more and more rural families have appeared empty nest family, which weakens the function of family pension. At this time, the trend of population aging is constantly strengthened, and our country is also faced with serious aging of the population, which jointly contributed to the introduction of the new rural old-age insurance system. The village pension problem is highly valued, constantly developing the rural economy, strengthening the government's policy and fund support to the rural old-age problem. Since the new rural system has been introduced, the problem of rural old-age care has been obviously improved and improved, and the old-age contradiction in rural areas has also been eased, but with the continuous operation of the new agricultural insurance system, it can not be ignored. In the process of the current socialist modernization, the rural social endowment insurance is one of the key points in the construction of the social security system in urban and rural areas, and it is also an important link in the construction of the new socialist countryside. The key lies in the level of development.
In the first part, the first part introduces the background and practical significance of the study, the research of other scholars on the new agricultural insurance and the method of this paper. The second part expounds the development process of the current rural endowment insurance system in China, from the emergence of the rural old-age security policy, and the operation of the new agricultural insurance system at the present stage has its own. The reasons and theoretical basis for the development of the new agriculture insurance system should be borne by the government. In the third part, the problem of payment of this new old-age insurance system is analyzed with relevant theories, and the existing problems and the original problems in the operation of the new agricultural insurance system in China are expounded in detail. On the basis of what it is, then the fourth part calculates the rate of 15 years in China's rural residents from the demand and consumption point of view, connecting payment for 20 years, connecting payment for 25 years and connecting contributions for 30 years and four payment years. It mainly calculates the interval limit of the appropriate rate of payment, and then combines the financial subsidy condition. At the same time, the fifth part puts forward the actual conditions for the measurement of the level of the appropriate payment, and the effect of the different factors simultaneously, to promote the realization of the level of the appropriate payment, and to consider the influence of the intervention of the government subsidies on the pension payment mode in the payment mode, and the last part. It is to improve the existing problems in the new rural old-age insurance system in China. On this basis, it puts forward some countermeasures and suggestions: to continue to implement the regulations and policies on strengthening the income of farmers; to broaden the sources of fund sources and to form a multi-level fund raising mode; to ensure the security of the rural endowment insurance fund and to increase its security value. We should strengthen the transfer payment of the new rural social security system by the government's financial strength so as to promote the healthy development of the rural endowment insurance system in China.
It is not only a matter of concern to the individual, but also one of the important issues that the party and the government are concerned about. In the context of the aging population, the construction of the rural social security system and the improvement of the rural social insurance system are the development of the urban and rural economic and social development, the promotion of the harmony of the Duhui, the improvement of the living standards of the farmers and the improvement of the living standards of the peasants. The major measures to build a well-off society in an all-round way, through this study, hope to provide useful experience and suggestions for the local government to carry out the new agricultural insurance. Through strengthening the government's service consciousness and financial responsibility, it can effectively solve the difficulties and problems brought by the aging of the population to the rural endowment, and promote the overall development of our country's economy and society.

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67

【参考文献】