B市养老保险基金监管的现状与对策研究

发布时间：2018-06-26 13:49

本文选题：养老保险基金 + 基金监管　；参考：《安徽大学》2015年硕士论文

【摘要】：社会保险基金是以养老保险基金为中心,故人们将养老保险基金称之为“养命钱”,“保命钱”、“救命钱”,由此可见,对于人们在未来的生活中养老基金是如何的重要,也更具有特定的用途。养老金监管制度在养老保险制度中具有举足轻重的作用,其监管水平在很大程度上是养老保险制度的发展标志,它独立于基金的收缴、运营、给付系统。随着老年人口的逐渐增加,养老保险的关注程度逐渐增加,这与老年人的基本生活有关。由此如何加强对养老金的监管,确保养老金的安全和完整,直接关系投保人利益,是健全完善社会保障体制,保护广大投保人利益,维护社会的稳定发展的需要;也是切实保障老年人和老年人的基本生活,使老年退休人员能保持长期稳定、及时足额领到养老金,促进老龄事业与社会经济的协调发展的需要,是我国养老保险制保持稳定发展的需要。在我国当前养老保险制度开始显现诸多问题的时候,加强对养老金监管是最关键的、最急需解决的问题。本论文在对养老保险基金监管的基本理论进行阐述的基础上,选取B市养老金的监管作为研究样本,以便找出问题,吸取经验,供其他条件相似、状况相符的市、区、县作为参考借鉴。全文对B市养老保险基金监管中的现状及对策进行了较为深入的分析,充分借鉴英国、美国、智利等典型国家的先进社会保障监管经验,和典型的国内发达城市北京、深圳等基金监管经验,并提出解决和完善B市养老保险基金监管问题的对策,以至于能够加强社会保障体系全面建设,加快发展新型社会养老保险全覆盖。文章有五个部分：第一部分是前言,首先阐述了文章的研究目的和意义,对促进实践中问题的解决具有现实意义,其次梳理了国内外相关养老保险基金监管的研究综述,最后介绍了论文的研究方法、写作思路和创新点。第二部分是对养老金监管相关概念和理论进行了概述,着重介绍了养老保险、养老金和养老金监管的涵义,并对相关理论进行了论述；第三部分对B市养老金监管的现状进行分析,首先论述了B市养老保险制度的发展历程,接着阐述B市养老金监管取得怎样的成效,然后提出了B市养老金监管存在的问题,最后深入剖析了B市养老金监管所存在问题的成因。通过以点带面的分析,使我们认识到B市养老金监管方面存在的漏洞和不足,为后文提出实质性的措施打下实证基础。第四部分国内外养老保险基金监管及对B市的启示,首先对英国、美国和智利等世界发达国家基金监管进行阐述,其次对国内典型城市,如北京、深圳的养老保险基金监管进行介绍,通过比较分析找出各自的异同,对B市养老保险基金监管的具有一定启示作用,使B市可以充分借鉴国外相对成熟的经验,提出适合当前实际的B市养老金监管的对策。第五部分完善B市养老金监管的原则及对策,首先阐述了养老金监管的原则,为监管措施的提出提供了必要的遵循。接着借鉴国际上相对成熟的监管经验和教训,从宏观、中观和微观层面提出适应当前实际的B市养老金监管体系的构建思路,为达到对B市养老金的有效监管,提出了一种理论方法。最后在结束语部分,对于B市养老金监管作了一番理论总结,从理论的高度对B市养老金监管工作进行了回顾与展望。
[Abstract]:The social insurance fund is centered on the endowment insurance fund, so people call the endowment insurance fund as "nourishing money", "saving life money" and "saving life money". Thus, it can be seen how important and more specific use of the pension fund for people in the future life. To a great extent, the level of supervision is to a great extent the sign of the development of the endowment insurance system. It is independent of the collection, operation and payment system of the fund. With the gradual increase of the aged population, the concern of the pension insurance is gradually increasing, which is related to the basic life of the elderly. Therefore, how to strengthen the supervision of the pension and ensure the maintenance of the pension system The safety and integrity of the old gold is directly related to the interests of the insured. It is the need to improve the social security system, protect the interests of the majority of the insured, maintain the stable development of the society, and ensure the basic life of the elderly and the elderly, so that the retired people can maintain long-term stability, receive the pension in full and in full time, and promote the cause of aging and the cause of aging. The need for the coordinated development of the social economy is the need for the stable development of the pension insurance system in China. When the current pension system in China has begun to show many problems, it is the most critical and urgent problem to be solved to strengthen the pension supervision. This paper is based on the basic theory of the pension insurance fund supervision. The supervision of B city pension is selected as the research sample to find out the problems and draw lessons from other cities, districts and counties that have similar conditions. The full text of the full text has carried out a more in-depth analysis on the status and Countermeasures in the supervision of the endowment insurance fund of B City, which can be used for reference in the advanced society of the typical countries such as the United Kingdom, the United States and Chile. Safeguard supervision experience, and typical domestic developed cities Beijing, Shenzhen and other funds supervision experience, and put forward solutions to improve the B city pension insurance fund supervision and control problems, so that the overall construction of the social security system can be strengthened to speed up the development of the new social endowment insurance coverage. The article has five parts: the first part is the preface, the first part. This paper first expounds the purpose and significance of the research, and has practical significance to promote the solution of the problems in practice. Secondly, it combs the research review of the related pension fund supervision at home and abroad, and finally introduces the research methods, writing ideas and innovation points of the paper. The second part is an overview of the related concepts and theories of pension supervision, This paper mainly introduces the meaning of pension insurance, pension and pension supervision, and discusses the related theories. The third part analyzes the status of pension supervision in the city of B, first discusses the development process of the pension insurance system in the city of B, then expounds the achievements of the pension supervision in B City, and then puts forward the pension supervision of the city of B. The existing problems, the final in-depth analysis of the causes of the problems existing in the B city pension supervision, through a point of analysis, we recognize the loopholes and shortcomings of the pension supervision of the city of B, and put forward an empirical basis for the latter to put forward substantive measures. The fourth part of the domestic and foreign pension insurance fund supervision and the enlightenment to the city of B, the first part. First, the world fund supervision of the developed countries such as the United Kingdom, the United States and Chile are expounded. Secondly, the supervision of the endowment insurance fund in the typical domestic cities, such as Beijing, Shenzhen, is introduced, and the similarities and differences between them are found through comparative analysis, and the supervision of the endowment insurance fund of B city has a definite inspiration, so that the city of B can be fully used for reference. In the fifth part, the fifth part perfects the principle and Countermeasures of the pension supervision in the city of B, expounds the principle of the pension supervision, and provides the necessary compliance for the supervision measures. Then, we draw on the relative mature experience and lessons from the international regulation, from macro, medium and micro. In order to achieve the effective supervision of the pension in the city of B, a theoretical method is put forward in order to adapt to the current actual B city pension supervision system. Finally, in the concluding part, a theoretical summary of the pension supervision in the city of B is made, and the supervision of the old pension fund in the city of B is reviewed and prospected from the height of the theory.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.67

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