云南新农保个人账户缴费档次选择研究

发布时间：2018-06-17 18:41

本文选题：新型农村社会养老保险 + 个人账户　；参考：《昆明理工大学》2013年硕士论文

【摘要】：党的十八大报告指出,要以全面覆盖,保障居民基本生活和可持续为方针,重点增强公平性,适应性、流动性和可持续性,构建全面覆盖城乡居民的社会保障体系。我国农村人口老龄化加快,农村居民养老需求旺盛,与城镇养老保障水平相差较大的背景下,完善新型农村社会养老保险制度,是保障农村和谐稳定不可或缺的基础之一,也是我国实施统一的城乡居民养老保险制度,形成健全的城乡统筹社会保障体系必由之路。云南社会经济发展相对落后,新农保制度实施时间不长,虽然新农保缴费率与全国水平相比较高,但是参保农民选择的缴费档次偏低,这个问题在实践和研究中并没有得到足够重视。因此,研究缴费档次偏低原因,分析新农保个人账户缴费档次选择的影响因素,消除农民疑虑和担忧,激发农民缴费热情,对云南乃至全国同类县(市)推进新农保制度可持续发展都有重要的借鉴意义和现实意义。本文在相关理论的基础上,利用对云南地区的511份问卷调查数据,分析了云南现阶段新农保实施状况和当前存在的问题,然后用调查中已参保者的398份调查数据进行因子分析,构建了云南新农保个人账户缴费档次选择因素模型,对云南新农保影响因素做出总体评价,并对如何引导农民合理选择缴费档次提出相应对策。
[Abstract]:The report of the 18th National Congress of the Communist Party of China (CPC) pointed out that the principle of comprehensive coverage, ensuring the basic life and sustainability of the residents should be taken as the policy, with emphasis on enhancing fairness, adaptability, mobility and sustainability, and constructing a social security system that comprehensively covers urban and rural residents. Under the background that the aging of rural population is accelerated and the demand of rural residents for the aged is exuberant, the improvement of the new rural social old-age insurance system is one of the indispensable foundations to ensure the harmony and stability of the rural areas. It is also the only way to implement the unified endowment insurance system for urban and rural residents and to form a sound urban-rural overall planning social security system. The social and economic development of Yunnan is relatively backward, and the new rural insurance system has not been implemented for a long time. Although the contribution rate of the new rural insurance is relatively high compared with the national level, the level of contributions chosen by the insured farmers is on the low side. This problem has not received enough attention in practice and research. Therefore, to study the reasons for the lower grade of payment, to analyze the factors that affect the selection of the grade of payment of the personal account of the new rural insurance, to remove the doubts and worries of farmers, and to stimulate the enthusiasm of farmers to pay the fees. It has important reference and practical significance for Yunnan and even the same counties (cities) in China to promote the sustainable development of the new rural insurance system. On the basis of relevant theories, this paper makes use of 511 questionnaire survey data in Yunnan region to analyze the current situation of the implementation of new rural insurance in Yunnan and the existing problems, and then carries on factor analysis with 398 survey data of the insured in the survey. This paper constructs the selection factor model of Yunnan New Rural Insurance personal account, makes a general evaluation on the influencing factors of Yunnan New Rural Insurance, and puts forward the corresponding countermeasures on how to guide farmers to choose the payment level reasonably.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.6

【参考文献】