我国农民养老保险制度改革的思考
发布时间：2018-11-08 14:29
【摘要】：很长时间以来，我国农民的养老以家庭养老为主要方式，以土地为农民养老的物质载体。然而这种方式现在越来越不能够满足我国农民多层次生活的需求，我国在20世纪80年代初开始正式开展农民新型养老保险制度，在这一过程中取得了一定的进展，但是仍然出现了很多缺陷和问题，距离真正的社会保险的要求还很远，曾经一度处于停滞的状态。同时，我国对城镇职工养老保险制度的过分关到来，人们更加关注农民的社会养老问题，，关于农民养老保险制度的相关探讨和分析也被进一步提上了日程。 我国目前正处于经济体制转轨的关键和重要时期，本文旨在站在公共财政的角度把农民养老保险作为一项公共物品来看待，结合国外养老保险的理论基础、经验教训和措施，探索具有中国国情特色的农民养老保险制度。从财政学角度看保的信心，农民养老保险制度也才能够真正地建立起来并健康运作。 本文主要从五个方面对农民养老保险体系进行了论述： 论文首先从我国农村实际情况出发，论述了本文的研究目的、意义以及国内外农民养老保险制度的文献综述，并针对农民养老保险的相关理论作了分析和阐述。第二主要描述了我国农村中的农民养老保险基础情况，论述了其具体的发展历程和所取得的一些进展和成就。第三主要分析了我国农民养老保险的现状和制度缺陷，我国农民养老保险制度建立至今，虽取得一些进展，但是在农民养老保险制度实际的开展工作中难免出现了一系列问题，如养老保障水平低、基金保值增值困难、未能实现城乡社会养老保险制度的有机衔接等等。第四部分借鉴了国外实施农民养老保险制度的成功经验，并提出了对我国的启示。第五部分提出了完善农民养老保险制度的对策。农民新型养老保险制度应该从我国农村的实际情况出发，在了解农民切身利益的基础上，站在财政宏观的角度对构建农民养老保险制度提出了相关的对策和建议。
[Abstract]:For a long time, the family old-age support is the main way for the peasants to provide for the aged, and the land is the material carrier for the peasants to provide for the aged. However, this way is increasingly unable to meet the needs of the multi-level life of farmers in our country. In the early 1980s, China began to formally launch a new old-age insurance system for farmers, and has made some progress in this process. But there are still a lot of flaws and problems, far from real social security requirements, once stagnant. At the same time, with the coming of the old-age insurance system for urban workers in China, people pay more attention to the social old-age problem of farmers, and the related discussion and analysis about the old-age insurance system of farmers have been further put on the agenda. At present, our country is in the key and important period of economic system transition. This paper aims to treat the peasant pension insurance as a public good from the perspective of public finance, combining with the theoretical basis, experience, lessons and measures of foreign pension insurance. To explore the characteristics of China's national characteristics of the endowment insurance system for farmers. From the perspective of finance, the farmer pension insurance system can be set up and run healthily. This paper mainly discusses the rural old-age insurance system from five aspects: firstly, the paper discusses the purpose, significance and literature review of the rural old-age insurance system at home and abroad, starting from the actual situation in the countryside of our country. And the related theory of peasant endowment insurance has made analysis and elaboration. The second part mainly describes the basic situation of peasant endowment insurance in the countryside of our country, and discusses its specific development course and some progress and achievement. The third part mainly analyzes the present situation and the system defect of the peasant endowment insurance in our country. Although some progress has been made since the establishment of the peasant pension insurance system, a series of problems have inevitably appeared in the actual development of the peasant pension insurance system. Such as the low level of old-age security, the difficulty of maintaining and increasing the value of funds, the failure to realize the urban and rural social endowment insurance system organic convergence and so on. The fourth part draws lessons from the successful experience of implementing the peasant endowment insurance system in foreign countries, and puts forward the enlightenment to our country. The fifth part puts forward the countermeasure of perfecting peasant endowment insurance system. The new old-age insurance system of farmers should be based on the actual situation of our country, on the basis of understanding the vital interests of farmers, put forward the relevant countermeasures and suggestions on the construction of rural old-age insurance system from the perspective of financial macro.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.89;F842.67
本文编号：2318753
[Abstract]:For a long time, the family old-age support is the main way for the peasants to provide for the aged, and the land is the material carrier for the peasants to provide for the aged. However, this way is increasingly unable to meet the needs of the multi-level life of farmers in our country. In the early 1980s, China began to formally launch a new old-age insurance system for farmers, and has made some progress in this process. But there are still a lot of flaws and problems, far from real social security requirements, once stagnant. At the same time, with the coming of the old-age insurance system for urban workers in China, people pay more attention to the social old-age problem of farmers, and the related discussion and analysis about the old-age insurance system of farmers have been further put on the agenda. At present, our country is in the key and important period of economic system transition. This paper aims to treat the peasant pension insurance as a public good from the perspective of public finance, combining with the theoretical basis, experience, lessons and measures of foreign pension insurance. To explore the characteristics of China's national characteristics of the endowment insurance system for farmers. From the perspective of finance, the farmer pension insurance system can be set up and run healthily. This paper mainly discusses the rural old-age insurance system from five aspects: firstly, the paper discusses the purpose, significance and literature review of the rural old-age insurance system at home and abroad, starting from the actual situation in the countryside of our country. And the related theory of peasant endowment insurance has made analysis and elaboration. The second part mainly describes the basic situation of peasant endowment insurance in the countryside of our country, and discusses its specific development course and some progress and achievement. The third part mainly analyzes the present situation and the system defect of the peasant endowment insurance in our country. Although some progress has been made since the establishment of the peasant pension insurance system, a series of problems have inevitably appeared in the actual development of the peasant pension insurance system. Such as the low level of old-age security, the difficulty of maintaining and increasing the value of funds, the failure to realize the urban and rural social endowment insurance system organic convergence and so on. The fourth part draws lessons from the successful experience of implementing the peasant endowment insurance system in foreign countries, and puts forward the enlightenment to our country. The fifth part puts forward the countermeasure of perfecting peasant endowment insurance system. The new old-age insurance system of farmers should be based on the actual situation of our country, on the basis of understanding the vital interests of farmers, put forward the relevant countermeasures and suggestions on the construction of rural old-age insurance system from the perspective of financial macro.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.89;F842.67
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