彭州市城乡居民养老保险制度实施现状及对策研究
发布时间：2018-12-10 23:18
【摘要】：随着经济社会的发展,在工业化、城市化和人口老龄化的三重冲击下,中国农村传统养老模式的保障功能日趋弱化,使农村居民的养老问题变得十分严峻,解决占人口绝大多数农村农民的养老问题,事关全面、协调、可持续发展战略和国家的长治久安。党的十七大提出,到2020年,要实现“覆盖城乡居民的社会保障体系基本建立,人人享受基本生活保障”。彭州市作为全国第三批新农保试点县,其基本养老保险试点的现状不仅可以反映当地实际情况,而且其中提炼的经验对全国也有普适性。 本文立足中国国情,基于工业化、城市化和人口老龄化的背景下,从可持续发展的角度,对彭州市城乡居民养老保险运行现状进行了全面分析,明确了建立城乡统筹的养老保险制度的必要性,并对其中存在的各方面问题及其原因进行了研究分析,指出了该制度目前的弊端,也为完善这一制度提出了具体可操作性的建议。 研究表明,现阶段彭州市统筹城乡的养老保险体系全面形成,城乡社会保险覆盖范围不断扩大,社会保险基金征收持续增长,社会保障水平稳步提高。然而彭州市现行的城乡居民基本养老保险制度实施过程中存在的主要问题是：政策宣传不到位,宣传效果不佳；缺乏必要的监管和强制执行机制,制约了基金征收和扩面工作的进一步开展；农民参保不积极,参保率低；基层社保工作人员的数量和素质难以适应时代要求；养老保险保障待遇水平较低,模式单一,不能满足多样化需求。 立足彭州市城乡一体化建设下的城乡居民基本养老保险制度的角度,本文提出完善城乡居民养老保险制度的对策建议是广泛宣传贯彻《社会保险法》；强化政府的主导作用,做好相关职能部门间的协调工作；切实转变群众的养老观念,创新工作方式,努力扩大城乡居民社会保险覆盖面；加强队伍建设,提高工作效率,着力提高经办管理服务水平；发展商业养老保险以完善养老保险体系。 笔者力求通过本文的研究,使彭州市城乡居民养老保险覆盖范围不断扩大,基金支撑能力显著增强,待遇水平稳步提高,最终实现城镇居民人人享有养老保障。
[Abstract]:With the development of economy and society, under the triple impact of industrialization, urbanization and aging of population, the traditional old-age support mode in rural China is weakening day by day, which makes the pension problem of rural residents become very serious. Solving the pension problem of rural peasants, which accounts for the majority of the population, is related to the comprehensive, coordinated, sustainable development strategy and the long-term stability of the country. The 17th National Congress of the Communist Party of China proposed that by 2020, "the social security system covering urban and rural residents should be basically established and everyone should enjoy basic living security." As the third batch of new rural insurance pilot counties, Pengzhou City can not only reflect the actual local conditions, but also refine the experience for the whole country. Based on the national conditions of China and the background of industrialization, urbanization and population aging, this paper makes a comprehensive analysis of the present situation of pension insurance for urban and rural residents in Pengzhou from the perspective of sustainable development. This paper makes clear the necessity of establishing the old-age insurance system as a whole in urban and rural areas, studies and analyzes the various problems existing therein and their causes, and points out the drawbacks of this system at present. It also puts forward specific operable suggestions for perfecting this system. The research shows that the pension insurance system of Pengzhou city and rural areas has been formed in an all-round way, the coverage of social insurance in urban and rural areas has been continuously expanded, the collection of social insurance funds has continued to increase, and the level of social security has been steadily improved. However, the main problems existing in the implementation of the current basic old-age insurance system for urban and rural residents in Pengzhou are as follows: the policy propaganda is not in place and the publicity effect is not good; The lack of necessary supervision and enforcement mechanism restricts the further development of fund collection and expansion work; the farmers are not active in insurance participation, the participation rate is low; the number and quality of social security workers at the grass-roots level are difficult to meet the requirements of the times; The pension insurance security treatment level is low, the mode is single, can not satisfy the diversified demand. Based on the basic old-age insurance system of urban and rural residents under the integrated construction of urban and rural areas in Pengzhou, this paper puts forward the countermeasures and suggestions to perfect the old-age insurance system of urban and rural residents, which is to widely publicize and implement the Social Insurance Law; Strengthen the leading role of the government, do a good job of coordination between relevant functional departments, effectively change the masses' concept of the aged, innovate the way of work, and strive to expand the coverage of social insurance for urban and rural residents; Strengthen the team construction, improve the working efficiency, improve the management and service level, develop the commercial old-age insurance to improve the endowment insurance system. Through the study of this paper, the author tries to make the coverage of pension insurance for urban and rural residents in Pengzhou continuously expand, the fund support ability is significantly enhanced, the level of treatment is steadily improved, and finally realize the pension security for all urban residents.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67
本文编号：2371394
[Abstract]:With the development of economy and society, under the triple impact of industrialization, urbanization and aging of population, the traditional old-age support mode in rural China is weakening day by day, which makes the pension problem of rural residents become very serious. Solving the pension problem of rural peasants, which accounts for the majority of the population, is related to the comprehensive, coordinated, sustainable development strategy and the long-term stability of the country. The 17th National Congress of the Communist Party of China proposed that by 2020, "the social security system covering urban and rural residents should be basically established and everyone should enjoy basic living security." As the third batch of new rural insurance pilot counties, Pengzhou City can not only reflect the actual local conditions, but also refine the experience for the whole country. Based on the national conditions of China and the background of industrialization, urbanization and population aging, this paper makes a comprehensive analysis of the present situation of pension insurance for urban and rural residents in Pengzhou from the perspective of sustainable development. This paper makes clear the necessity of establishing the old-age insurance system as a whole in urban and rural areas, studies and analyzes the various problems existing therein and their causes, and points out the drawbacks of this system at present. It also puts forward specific operable suggestions for perfecting this system. The research shows that the pension insurance system of Pengzhou city and rural areas has been formed in an all-round way, the coverage of social insurance in urban and rural areas has been continuously expanded, the collection of social insurance funds has continued to increase, and the level of social security has been steadily improved. However, the main problems existing in the implementation of the current basic old-age insurance system for urban and rural residents in Pengzhou are as follows: the policy propaganda is not in place and the publicity effect is not good; The lack of necessary supervision and enforcement mechanism restricts the further development of fund collection and expansion work; the farmers are not active in insurance participation, the participation rate is low; the number and quality of social security workers at the grass-roots level are difficult to meet the requirements of the times; The pension insurance security treatment level is low, the mode is single, can not satisfy the diversified demand. Based on the basic old-age insurance system of urban and rural residents under the integrated construction of urban and rural areas in Pengzhou, this paper puts forward the countermeasures and suggestions to perfect the old-age insurance system of urban and rural residents, which is to widely publicize and implement the Social Insurance Law; Strengthen the leading role of the government, do a good job of coordination between relevant functional departments, effectively change the masses' concept of the aged, innovate the way of work, and strive to expand the coverage of social insurance for urban and rural residents; Strengthen the team construction, improve the working efficiency, improve the management and service level, develop the commercial old-age insurance to improve the endowment insurance system. Through the study of this paper, the author tries to make the coverage of pension insurance for urban and rural residents in Pengzhou continuously expand, the fund support ability is significantly enhanced, the level of treatment is steadily improved, and finally realize the pension security for all urban residents.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67
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