人口老龄化背景下中国养老保险制度选择

发布时间：2018-01-12 01:33

本文关键词：人口老龄化背景下中国养老保险制度选择　出处：《四川师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：改革开放三十多年来,我国经济持续快速增长,取得的成就举世瞩目,但与此同时,由于社会保障改革的滞后,社会经济快速发展的成果并没有被全社会成员共同分享,收入差距逐年扩大,社会保障覆盖狭隘,保障严重不足,广大居民生活缺乏安全感。另一方面,20世纪70年代末我国开始实行计划生育政策,但由于人口基数大,老龄人口增长态势明显,人口老龄化问题与世界其他国家相比尤其严重,人口老龄化的出现使养老保险制度的受益人数急剧增加,老年人口赡养比率上升,从而对现行养老保险制度构成严峻挑战,因此重构我国养老保险体系,实现养老保险制度和经济发展的可持续性迫在眉睫。本文以人口老龄化为背景,对我国养老保险制度现状进行了分析,指出了我国养老保险制度改革中存在的问题和面临的形势,并参考了国际养老保险制度转轨经验,有针对性的提出了以建立保障型养老保险制度为原则,建立多支柱型养老保险模式,建立健全社保基金的管理和运作机制等可行性建议和对策,为我国养老保险制度改革提供路径选择。
[Abstract]:Since the reform and opening up to the outside world for more than 30 years, China's economy has continued to grow rapidly, and the achievements have attracted worldwide attention, but at the same time, because of the lag of the social security reform. The rapid development of social economy has not been shared by all members of society, the income gap has expanded year by year, the social security coverage is narrow, the protection is seriously inadequate, the vast number of residents lack of security. On the other hand. At the end of 1970s, China began to implement the family planning policy, but because of the large population base, the aging population growth trend is obvious, the problem of population aging is especially serious compared with other countries in the world. The emergence of population aging makes the number of beneficiaries of the old-age insurance system increase sharply, and the dependency ratio of the elderly population increases, which poses a severe challenge to the current old-age insurance system, so reconstructing the pension insurance system of our country. It is urgent to realize the sustainability of endowment insurance system and economic development. Based on the aging of the population, this paper analyzes the present situation of the endowment insurance system in China, and points out the existing problems and the situation in the reform of the pension insurance system in China. And referring to the international pension system transition experience, the paper puts forward the establishment of a multi-pillar old-age insurance model based on the principle of establishing a secure old-age insurance system. To establish and perfect the management and operation mechanism of the social security fund and other feasible suggestions and countermeasures to provide the path choice for the reform of the pension insurance system in China.
【学位授予单位】：四川师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：C924.24;F842.67

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