永嘉县城乡居民社会养老保险的现状与对策研究

发布时间：2018-05-18 21:12

本文选题：城乡居民社会养老保险 + 永嘉县　；参考：《南京农业大学》2014年硕士论文

【摘要】：城乡居民社会养老保险是确保农村社会经济发展的调节器,能实现对经济收入的再分配,间接调控居民收入水平,并做到对那些已经丧失劳动能力的人和收入不能维系生活者给予物质保障,这在某种程度上,能消除当前的分配不公现象,有效缓和社会矛盾,并能让广大人民群众能最大程度共享改革取得的成果,城乡居民社会养老保险是社会保障的重要内容。永嘉县开始了城乡居民社会养老保险制度的推进步伐,在城乡居民社会养老保险制度推行几年后,当前城乡居民社会养老保险制度在永嘉县的推行中,遇到了发展难题,为此,以永嘉县城乡居民社会养老保险的现状与对策为研究对象,得出了以下结论：1.永嘉县城乡居民社会养老保险建设的现状：从参保结构来看,其中非国家机关参保人数所在比重最大,达50%以上。从居民选择的参保标准来看,第一档次为每人每年100元占比例最高达93%,从年龄结构来看,60周岁以上的参保率为100%；60周岁以下的参保率仅20%。2.永嘉县城乡居民社会养老保险建设存在的问题：1)城乡居民养老保险机构人员数量不足,一些基层经办队伍建设就显得更为薄弱；2)在资金筹资机制建设中参保人员往往选取低缴费档次,集体经济成分总量不高,集体补助变成空话；3)城乡居民社会养老保险与其它制度衔接不顺畅,束缚了制度转化,对实现城乡居民社会养老保险一体化目标造成很大障碍；4)在管理机制方面,城乡居民社会养老保险制度的具体实施政策不够完善；5)城乡居民社会养老保险基金保值增值水平有限。3.完善永嘉县城乡居民社会养老保险的对策：1)加强政府在城乡居民社会养老保险中肩负的责任应该突出发挥政府主导作用；2)完善管理体制,加强城乡居民社会养老保险队伍建设,完善资金筹资机制建设；3)建立资金来源保障机制,加强和商业保险互补性运作,城乡居民社会养老保险与其它制度衔接；4)应该整合农村五保制度,实现城乡居民社会养老保险和农民工养老保险、城镇职工制度间的衔接；5)确定保障对象与形式,确定缴费标准、保障资金筹集方式与保障水平,抓好保障待遇时效。
[Abstract]:Social old-age insurance for urban and rural residents is the regulator to ensure social and economic development in rural areas. It can reallocate economic income and indirectly regulate and control the income level of residents. And to provide material security to those who have lost their ability to work and whose income cannot sustain them. This, to some extent, can eliminate the current unfair distribution and effectively alleviate social conflicts. The social endowment insurance of urban and rural residents is an important part of social security. Yongjia County began the pace of promoting the social old-age insurance system for urban and rural residents. A few years after the implementation of the social old-age insurance system for urban and rural residents, the current implementation of the social old-age insurance system for urban and rural residents in Yongjia County has encountered difficulties in its development. Taking the present situation and countermeasures of social old-age insurance for urban and rural residents in Yongjia County as the research object, the following conclusions are drawn: 1. The present situation of the construction of social endowment insurance for urban and rural residents in Yongjia County: from the point of view of the structure of insurance participation, the proportion of non-state organs participating in the insurance is the largest, reaching more than 50%. Judging from the standard of participating in insurance chosen by residents, the first grade is 100 yuan per person per year up to 93 yuan per year, and the rate of participation over 60 years old in terms of the age structure is only 20.2% for those under the age of 100 to 60 years old. The problem in the construction of social old-age insurance for urban and rural residents in Yongjia County is that the number of personnel in urban and rural residents' pension insurance institutions is insufficient. The construction of some grass-roots administrative teams is even weaker.) in the construction of the fund raising mechanism, the participants often select a low level of payment, and the total amount of collective economic components is not high. Collective subsidies become empty talk) the social endowment insurance of urban and rural residents is not connected smoothly with other systems, which restrains the transformation of the system and creates a great obstacle to the realization of the goal of integrating the social endowment insurance of urban and rural residents. (4) in the aspect of management mechanism, Urban and rural residents social endowment insurance system implementation policy is not perfect. 5) urban and rural residents social pension insurance fund maintenance and appreciation level is limited. 3. Countermeasures for perfecting the Social Endowment Insurance for Urban and Rural residents in Yongjia County: 1) strengthening the responsibility of the government in the social old-age insurance for urban and rural residents should give prominence to giving play to the leading role of the government. (2) perfect the management system and strengthen the construction of the contingent of social old-age insurance for urban and rural residents. To perfect the fund raising mechanism and to establish a fund source protection mechanism, to strengthen the complementary operation of commercial insurance, and to link up the social endowment insurance between urban and rural residents with other systems. (4) the rural five guarantees system should be integrated. To realize the social endowment insurance for urban and rural residents and the old-age insurance for migrant workers, the connection between urban worker system and urban worker system is to determine the object and form of security, to determine the standard of payment, to ensure the way of raising funds and the level of guarantee, and to grasp the limitation of guarantee treatment.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67

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