吉林省留守农民养老保险问题及对策研究

发布时间：2018-10-14 20:28

【摘要】：中国不断加快的城市化、工业化和现代化,促使居民的经济水平和生活条件都有所提高,但在抓住、抓好城市建设的同时,更不能忽略和忘记农村建设和农民生活质量问题,尤其是现今农村社会发生翻天覆地的进步和变化。我国居民社会保障机制中明确表明农村社会养老保险是国家社会保障的重要组成部分,虽然吉林省是东北老工业基地,解决“三农”问题的核心是,首先要考虑保障留守农民养老保险利益能够得到足够的满足,不受外界环境的影响和侵害。过去的农村依靠的是传统家庭型养老方式,而随着经济水平的提高,农村留守农民老龄化的加速,家庭和土地养老保障功能的弱化,吉林省也开始在农村实施社会养老保险制度的覆盖,但是在实施的过程中会出现很多的问题,其中包括缺乏法律法规等制度性长期性和稳定性的保障、通货膨胀导致存款资金的贬值、政府保障制度的缺失、留守农民群体的资金收入来源匮乏、人口老龄化速度加快的一系列问题。针对目前吉林省留守农民养老保险中出现的问题,提出了个人的一些对策和建议,完善相关法律法规的制定、加强政府管理,提高农村养老保险的保障水平、强化政府统筹,降低养老保险的支出及生活成本、发展多样化、多渠道的资金统筹方式、强化农村理财市场开发,提升资金升值潜力、建立更加科学有效的农村养老保险模式、通过土地流转实现养老资金收入,希望能够有助于吉林省留守农民养老保险问题的解决。
[Abstract]:China's accelerating urbanization, industrialization and modernization have promoted the improvement of the economic level and living conditions of the residents, but while grasping and doing a good job in urban construction, we must not ignore and forget the problems of rural construction and the quality of life of the peasants. In particular, the rural society has undergone earth-shaking progress and changes. The social security mechanism of Chinese residents clearly indicates that rural social old-age insurance is an important part of national social security. Although Jilin Province is an old industrial base in Northeast China, the core of solving the "three rural" problems is, First of all, we should consider how to protect the interests of the old-age insurance of the peasants left behind to get enough satisfaction and not to be affected and infringed by the external environment. In the past, the rural areas relied on the traditional family-type old-age support, but with the improvement of the economic level, the aging of the rural left-behind peasants accelerated, and the function of the family and land old-age security became weaker. Jilin Province has also begun to implement the coverage of the social old-age insurance system in rural areas, but there will be many problems in the process of implementation, including the lack of a long-term and stable system such as laws and regulations. Inflation leads to the depreciation of the deposit funds, the absence of the government security system, the lack of the income sources of the peasants left behind, and a series of problems of accelerating the aging of the population. In view of the problems existing in the old-age insurance of the left-behind peasants in Jilin Province, this paper puts forward some personal countermeasures and suggestions to improve the formulation of relevant laws and regulations, strengthen government management, improve the level of rural old-age insurance, and strengthen the overall planning of the government. To reduce the expenditure and living cost of old-age insurance, to develop diversified and multi-channel funds as a whole, to strengthen the development of rural financial markets, to enhance the potential of capital appreciation, and to establish a more scientific and effective rural old-age insurance model. In order to solve the problem of old-age insurance in Jilin province, it is hoped that the income of pension fund can be realized through land circulation.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;F323.89

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