黑龙江省实施城乡居民社会养老保险制度过程中的问题及对策研究
发布时间：2018-08-21 10:41
【摘要】：我国目前正处于全面建设小康社会的关键之年,养老保障作为维护群众切身利益的有力后盾,是推进以保障和改善民生为重点的社会建设的关键所在。目前,中国社会养老保障工作重点在于提升养老保险的统筹层次,尽早实现养老保险的全国统筹;其中最紧要的当属城乡居民社会养老保险制度的统筹发展问题。黑龙江省作为农业大省,推进城乡居民社会养老保险制度的统筹工作,对于解决黑龙江省众多的农业人口的养老保障工作有着极为重要的意义。推进城乡居民养老保险制度的统筹发展,不仅可以加快推进城乡一体化发展的进程,同时也为养老保险的全国统筹做出良好铺垫。黑龙江省目前正处于城乡社会社会养老保障制度的初步运行阶段,虽然已经基本实现了制度的全覆盖,社会保障水平也在逐步提升。但是,由于制度碎片化、社会保障城乡差别及管理体制复杂等问题,导致城乡居民不能同等的享受基本养老保障待遇。只有加快完善黑龙江省城乡居民养老保险制度建设,才能保证制度在黑龙江省的全面推广,维护城乡养老保险制度的健康、平稳发展,为全面发展小康社会奠定坚实的基础。本文在马克思主义社会保障理论及制度变迁理论的基础上,梳理和分析黑龙江城乡居民养老保险发展历程与现状,发现黑龙江省在实施城乡居民养老保险制度中存在四个方面的主要问题:即制度统筹衔接不顺畅、农村群众参保积极性不高、补贴保障水平不到位、基金运营监管难度大等问题。以及产生这些问题主要是由于养老保险制度"碎片化"、群众参保激励机制低效、集合体贴缺乏具体的实施细则和城乡发展的"二元化"等原因。通过运用文献研究法、比较分析法、定量分析法,吸取和借鉴日本、瑞典、智利三个国家的"多支柱型养老模式"、"基金自平衡型"养老模式、"基金私化管理型"养老模式及西安、成都、重庆三个地区在城乡居民社会养老保险制度统筹上的的成功经验。对黑龙江省城乡居民社会养老保险制度的发展提出了完善制度衔接、加大群众参保激励力度、提高保障水平、规范养老保障管理体系的对策建议。
[Abstract]:At present, our country is in the key year of building a well-off society in an all-round way. As a powerful backing to safeguard the vital interests of the masses, the old-age security is the key to promote the social construction which focuses on ensuring and improving the people's livelihood. At present, the focus of China's social old-age security work is to improve the overall planning level of pension insurance, and realize the national overall planning of pension insurance as soon as possible, among which the most important issue is the overall development of the social old-age insurance system for urban and rural residents. As a big agricultural province, Heilongjiang Province promotes the overall planning of the social endowment insurance system for urban and rural residents, which is of great significance to solve the pension security work of many agricultural population in Heilongjiang Province. Promoting the overall development of urban and rural residents pension insurance system can not only accelerate the process of urban and rural integration development, but also pave the way for the national planning of pension insurance. Heilongjiang Province is in the initial stage of urban and rural social old-age security system, although it has basically realized the full coverage of the system, the level of social security is also gradually improving. However, because of the fragmentation of system, the difference of social security between urban and rural areas and the complexity of management system, the urban and rural residents can not enjoy the basic old-age security treatment equally. Only by speeding up the construction of the endowment insurance system for urban and rural residents in Heilongjiang Province can we guarantee the overall promotion of the system in Heilongjiang Province, maintain the healthy and stable development of the urban and rural old-age insurance system, and lay a solid foundation for the overall development of a well-off society. Based on the Marxist theory of social security and the theory of institutional change, this paper combs and analyzes the development course and present situation of urban and rural residents' endowment insurance in Heilongjiang. It is found that there are four main problems in implementing the old-age insurance system for urban and rural residents in Heilongjiang Province: the system is not smoothly integrated, the enthusiasm of the rural people to participate in the insurance is not high, and the level of subsidy protection is not in place. Fund operation supervision is difficult and so on. These problems are mainly due to the "fragmentation" of the old-age insurance system, the low efficiency of the incentive mechanism of the masses' participation in insurance, the lack of specific implementation rules and the "dualization" of urban and rural development. Through the use of literature research, comparative analysis, quantitative analysis, learn and learn from Japan, Sweden, The "multi-pillar pension model", the "fund self-balanced" pension model, the "fund private management" pension model and the successful experience of Xi'an, Chengdu and Chongqing in coordinating the social endowment insurance system of urban and rural residents in three countries of Chile. In this paper, the author puts forward some countermeasures and suggestions for the development of the social old-age insurance system of urban and rural residents in Heilongjiang Province, such as perfecting the system convergence, increasing the incentive for the masses to participate in the insurance, improving the security level and standardizing the pension security management system.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67
本文编号：2195451
[Abstract]:At present, our country is in the key year of building a well-off society in an all-round way. As a powerful backing to safeguard the vital interests of the masses, the old-age security is the key to promote the social construction which focuses on ensuring and improving the people's livelihood. At present, the focus of China's social old-age security work is to improve the overall planning level of pension insurance, and realize the national overall planning of pension insurance as soon as possible, among which the most important issue is the overall development of the social old-age insurance system for urban and rural residents. As a big agricultural province, Heilongjiang Province promotes the overall planning of the social endowment insurance system for urban and rural residents, which is of great significance to solve the pension security work of many agricultural population in Heilongjiang Province. Promoting the overall development of urban and rural residents pension insurance system can not only accelerate the process of urban and rural integration development, but also pave the way for the national planning of pension insurance. Heilongjiang Province is in the initial stage of urban and rural social old-age security system, although it has basically realized the full coverage of the system, the level of social security is also gradually improving. However, because of the fragmentation of system, the difference of social security between urban and rural areas and the complexity of management system, the urban and rural residents can not enjoy the basic old-age security treatment equally. Only by speeding up the construction of the endowment insurance system for urban and rural residents in Heilongjiang Province can we guarantee the overall promotion of the system in Heilongjiang Province, maintain the healthy and stable development of the urban and rural old-age insurance system, and lay a solid foundation for the overall development of a well-off society. Based on the Marxist theory of social security and the theory of institutional change, this paper combs and analyzes the development course and present situation of urban and rural residents' endowment insurance in Heilongjiang. It is found that there are four main problems in implementing the old-age insurance system for urban and rural residents in Heilongjiang Province: the system is not smoothly integrated, the enthusiasm of the rural people to participate in the insurance is not high, and the level of subsidy protection is not in place. Fund operation supervision is difficult and so on. These problems are mainly due to the "fragmentation" of the old-age insurance system, the low efficiency of the incentive mechanism of the masses' participation in insurance, the lack of specific implementation rules and the "dualization" of urban and rural development. Through the use of literature research, comparative analysis, quantitative analysis, learn and learn from Japan, Sweden, The "multi-pillar pension model", the "fund self-balanced" pension model, the "fund private management" pension model and the successful experience of Xi'an, Chengdu and Chongqing in coordinating the social endowment insurance system of urban and rural residents in three countries of Chile. In this paper, the author puts forward some countermeasures and suggestions for the development of the social old-age insurance system of urban and rural residents in Heilongjiang Province, such as perfecting the system convergence, increasing the incentive for the masses to participate in the insurance, improving the security level and standardizing the pension security management system.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67
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