江西省养老保障制度城乡一体化问题研究

发布时间：2018-06-15 23:45

本文选题：养老保障制度 + 城乡一体化　；参考：《江西财经大学》2013年硕士论文

【摘要】：受我国城乡二元社会经济结构的影响，我国城市与农村的养老保障制度也呈现出二元化的特征。由于我国大部分农村地区的社会经济发展水平都远低于城市，致使农村地区的养老保障水平也明显落后于城市，这一社会现实不利于我国构建社会主义和谐社会，不利于实现社会公平，鉴于此，本文综合利用资料综合与实证分析法，定性分析，定量分析以及比较分析等多种分析方法，以江西省为例，阐述了目前我国建立城乡一体化的养老保障制度面临的主要障碍，并提出了在这些障碍面前构建我国城乡一体化的养老保障制度的政策建议和原则。本文的主要研究内容包括4个部分。 1.江西省城镇和农村养老保障制度的现状介绍。本文将养老保障制度分为三块内容，一是养老保险，二是养老福利，三是养老救济，本文分别从这三个方面对目前江西省城市与农村的养老保障制度进行了阐述，并在最后一节中分析了城镇与农村养老保障制度之间存在的差异，如养老保险支付水平之间的差异，养老保障设施之间的差异以及养老保障管理体制方面的差异，这些差异深刻体现了养老保障制度在城市与农村之间的社会不公平，严重阻碍了我国社会主义和谐社会的建设。为解决这一问题就要求我们构建城乡一体化的养老保障制度，但是这一制度的在我省的建立还存在着一些障碍。 2.第二部分则是本文的重点，阐述的是我省在这样的一个不公平的养老保障制度下要想建立城乡一体化养老保障制度将会面临的主要障碍；即经济发展水平较低，城乡经济发展水平差距较大，政府财力支撑不足，城乡二元经济结构方面的障碍，现行的养老保障体系方面的障碍以及观念方面的障碍等。我省目前的经济发展水平较低，整体而言还不具备城乡构建一体化养老保障制度的要求，城乡二元化的户籍制度也严重阻碍着我省像城乡一体化方面的迈进，而且城镇和农村运用着不同的养老保障制度，如养老保险主要包括三套体系，即城镇企业职工基本养老保险，城镇居民养老保险以及新型农村养老保障，这三套养老保险的融合及接续也是我省构建城乡一体化养老保障制度面临的主要障碍之一。 3.第三部分也是本文的重点部分，主要阐述的是在这样的背景下，江西省要构建城乡一体化的养老保障制度应遵循的原则，即可持续性原则，分区域逐步推进原则，适度保障原则以及国家，企业，个人共同分担原则。另外，在这部分中还提出了构建城乡一体化养老保障制度的战略步骤及政策建议，即通过试点，提取试点成功地区的各项数据指标，然后按照指标对符合条件的区域逐步推广。 4.第四部分则是本章的总结，，写出了本文的结论及未来的研究方向。本文认为养老保障制度是公共选择的产物，构建的关键在于政府的运作，即政府在构建的过程中起着关键性作用。江西省应通过试点的方式逐步建立城乡一体化的养老保障制度。通过本文的研究，本人认为，江西省目前的经济总体发展水平比较低，社会环境和制度环境也决定了江西省目前不可能一下子从二元化的养老保障制度过渡到城乡一体化的养老保障制度，这个过渡将是一个缓慢的过程，需通过不断的试点，在成功的案例中寻找成功转型的经济指标，社会环境指标，将发展较快的地区逐个实现一体化，并通过试点成功地区起到示范带头作用，以引导其他地区快速转型。由于本次研究的对象是以江西省为例，目标选择相对于全国范围而言具有一定的局限性，本文的研究内容是否适用于全国城乡一体化养老保障制度的建立，还有待进一步研究。
[Abstract]:Because the social and economic development level of most rural areas is far lower than that of the city , the social reality is not conducive to the construction of the socialist harmonious society , which is not conducive to the realization of social equity .

The main research contents of this paper include 4 parts .

1 . The present situation of urban and rural old - age insurance system in Jiangxi province is introduced . This paper divides the old - age insurance system into three parts , one is endowment insurance , two is old - age benefit , three is endowment relief . In the last section , we analyze the difference between urban and rural endowment insurance system , such as the difference between endowment insurance payment level , the difference between the old - age security facilities and the old - age security management system .

2 . The second part is the focus of this paper , and expounds the main obstacles to be faced by our province to establish the urban and rural integration old - age security system under such an unfair old - age security system ;
That is , the level of economic development is low , the gap between urban and rural economic development is relatively large , the government financial support is insufficient , the urban and rural dual economic structure obstacle , the current endowment insurance system obstacle and the idea aspect obstacle , etc . The current economic development level of our province is relatively low , but also does not have the urban and rural integration of the endowment insurance system , and the town and the countryside use different endowment insurance system , such as endowment insurance mainly includes three sets of system , namely the town enterprise employee basic endowment insurance , the urban resident old - age insurance and the new rural old - age pension insurance , the three sets of endowment insurance are fused and continue to be one of the main obstacles to the establishment of the urban and rural integration old - age security system .

3 . The third part is also the key part of this paper , mainly elaborated in this background , Jiangxi province wants to construct the urban and rural integration old - age security system should abide by the principle , namely the sustainability principle , the sub - region gradual advance principle , the moderate safeguard principle and the country , enterprise and individual common sharing principle . In addition , in this part also put forward the strategy step and policy suggestion of constructing the urban and rural integration old - age support system , namely , through the pilot , the extraction of the pilot successful area data index , then according to the index to the eligible region gradually .

4 . The fourth part is the conclusion of this chapter and the future research direction . In this paper , it is believed that the pension insurance system is the product of public choice . The key to the construction is the operation of the government , that is , the government plays a key role in the construction process .

Through the research in this paper , I think that the current economic development level of Jiangxi Province is comparatively low , and the social environment and institutional environment also decide that Jiangxi is not likely to transition from the two - way old - age security system to the urban - rural integration . This transition will be a slow process .
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

【参考文献】